refundmylife v barclaycard

[refundmylife]

This one is personal. they have made my life a misery for the last few years. the charges i got by myself, their help when required was generally abismal. at the worst point i asked if i could arrange a payment plan with less interest as i was struggling to survive. The reply came that "its a credit card, you spend it you pay it. Why should we reduce your interest or payments?". So i struggled on for a few months then just gave up and stopped paying it. Got a call a few weeks later asking about payments, explained that it was either eat or pay the card so figured they could wait. Expected to get one hell of a response to this but oddly enough, a very supportive lady took me through the process of a payment plan which SHE suggested (one nice person in there so added to balance post).

 

DPA letter is in post today, sounds like they are as cooperative about this as most things so BRING IT ON B*TCH*S.

[lynzpower]

Yep, seems like a very unpleasant company to me.

 

I owe them 200 quid at the mo and simply cannot wait to close my account with them they are the worst.

[refundmylife]

No response from them after 18 days. Called them today and was told i sent it to barclays address not barclaycard!! clever me. They have recieved the request on the 13th and sent a letter on 16th saying sorry no cheque please send. Told the guy on the phone that there was a cheque and it must be at barclays. Has said he will process the request anyway and chase up the cheque.

 

He also said that as they are dpa requests they do not fall under the banking code as such. They do not need to reply in 5 days if this is the case. He said they are still trying to reply in 10 days but its a bit busy at the moment (bless).

Also mentioned some consumer groups on the net have dodgy info on them, however he seemed very aware that these sites are why they are swamped by people getting even.

 

It seems even though some info is not perfect (joys of open forums with all free to help), even the incorrect info still gets sent to the right addresses in the end.

[refundmylife]

Today i got my printout back to 2004. Not at all impressed as i know the main chunk of charges predate this.

I am wondering if its worth sending another letter demanding them. The threads i have read all seem to show a standard response to this and no additional statements. I was wondering if anyone has had luck with the rest of their statements.

As the amount of charges is so much i am thinking i may just pay the £3 per statement (not something i can afford but if i have to, i will find the money.)

 

Any info on pre 2004 statements would be great. This lot are really p*ssing me off now. Have full printout from opening of accounts from barclays current and natwest student accounts.

[refundmylife]

Have decided to put this one off for a bit. I'm going to wait for a payout and buy the statements will then add the cost to the total claim. could be interesting to see if they just waive the fee when they realise i'm willing to do this, but will add to their bill and then report them to the information commisioner for being obstructive. (well fingers crossed anyway.

[refundmylife]

waking this one up now. going to send another SAR to see if they cough up my statements, if not i will go for the damages for that too.

[noomill060]

refund- you may find this thread interesting...

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html

[refundmylife]

Nice one noom i read that thread early on but it seems to have done its job now so cheers for pointing me back there. no news from them yet. will have to dig out the postage slip to find out when i got round to posting it.

[TANZARELLI]

Take a look here for letters to and from Bcard http://www.consumeractiongroup.co.uk/forum/barclaycard/50532-tanzarelli-barclaycard.html

 

HTH

 

Tanz

[refundmylife]

have just found out i sent mt SAR to the wrong address and barclaycard dont have it. great. i used the radbroke hall address which apparently wont work. the barclaycard person on the phone gave me a po box number to send it too but am going to use Data Protection Team

Department LRC

Barclaycard

Northampton

NN475G

 

instead. if anyone knows better about the radbroke hall address please let me know.

[TANZARELLI]

I would write to them and state that the date of the SAR still stands as you sent it to Barclays, and they should have forwarded it to Barclaycard Dept LRC, I would address your letter to Adrian Whalley hes the head of Data Protection at Barclaycard. I had a SAR with Barclaycard and sent to the adress you have listed, however I also sent one to Barclays re my current account and they sent me some data relating to Barclaycard, so I Pete Townsend can send stuff on behalf of AW then I'm sure they could have forwarded the SAR letter to Barclaycard. They are just rying it on IMHO.

 

Tanz

[refundmylife]

phoned them the other day and all of a sudden they have received it. pointed out it was as good as 40 days so they may wish to hurry up. fingers crossed they will arrive soon. cheers for the advice tanzarelli

[TANZARELLI]

No probs

[refundmylife]

recieved a letter today saying they are sorry but my statements wont be arriving in time. they blame sheer numbers for this.

well wouldnt it have been better to send them the first time i asked????

guess i hve to look to see how to report them, even though they say they have contacted the information commisioner to explain the delay. they spend years denying us our statements then they cant cope when they are forced to release them.

do they care about the problems they have caused us by their actions? well no obviously, but they expect us to bear with them during the problems they are experiencing (hmmm i think NOT).

[refundmylife]

just a thought, i need to use data protection to access my personal info form a previuos employer. anyone have any ideas how i would need to change the subject access request? im going to give it a go myself but any ideas (or even better, links would be much appreciated).

[TANZARELLI]

Just take out the stuff about charges and add all the info about your employment ie dates to and from, place of work, job role then I would just ask for all personal data they hold including all letters, interview notes, employment details and any other personal data they hold on you. If there is anything specific you need then list it.

 

HTH

[refundmylife]

nice one tanz, thats sort of what i had but your right about adding everything. will be sending that one soon.

 

back on subject though. phoned BarclayC the other day about the letter. they said all the ussual stuff, but i want interested. told the lady that called that i wasnt interested in the delays they had caused and would complain to Information C if they werent in my hand i 3 days. she kept trying to justify their position but this was not of interest to me, and i told her so. long and short, if you call them and threaten them with the IC they will get your statements out. she tried to spin me the line about them informing the IC they were having problems, but i dont think this cuts much ice with the IC as a complaint is a complaint to them.

 

am now going through the statements and its not as much as i thought. have also noticed lots of goodwill credits, do i need to take these of the total as they are bound to be the charges. thing is they would need to prove what the refund was for to use this against me. any advice would be cool.

[TANZARELLI]

nice one tanz, thats sort of what i had but your right about adding everything. will be sending that one soon.

 

back on subject though. phoned BarclayC the other day about the letter. they said all the ussual stuff, but i want interested. told the lady that called that i wasnt interested in the delays they had caused and would complain to Information C if they werent in my hand i 3 days. she kept trying to justify their position but this was not of interest to me, and i told her so. long and short, if you call them and threaten them with the Information Commissioner they will get your statements out. she tried to spin me the line about them informing the Information Commissioner they were having problems, but i dont think this cuts much ice with the Information Commissioner as a complaint is a complaint to them.

 

am now going through the statements and its not as much as i thought. have also noticed lots of goodwill credits, do i need to take these of the total as they are bound to be the charges. thing is they would need to prove what the refund was for to use this against me. any advice would be cool.

 

http://www.ico.gov.uk/ See here and click complaints.

 

If you have had charges refunded then yes you will need to take them of.

[refundmylife]

cheers for that tanz i will have a look on monday. their server looks to be down at the moment.