Desperately Need Help

[nancies]

I am getting nowhere with Barclaycard. I requested copies of my charges issuing them with SAR request. I then got a letter back stating I had a total of £120 in charges. They cashed two cheques for £10 each for the statements but have yet to receive them. They then credited me £120 to my account and ignored my request. This has been going on since August and I have still not received my statements. What should I do. I know I need to complain them to the Information Commissioner but I am unable to get a figure of charges as they are ignoring my letters but they keep leaving messages on my answermachine to contact them which I refuse to do as my account is gone over the agreed credit limit because of all the charges and I dont know what else to do? Please help

[Guest bong]

I know I need to complain them to the Information Commissioner

 

looks like you're going to have to do this first to get the information you need to make your claim.

 

Although I have heard of people estimating their claims and saying they were left with no choice but I wouldn't feel happy doing it that way in case I'd under-estimated. Suppose you could try and over-estimate so that they have to prove it was less?

[nancies]

Thanks for that Bong, do you have any ideas how I can get my statements from them if they are not responding?

[nathal]

you can take them to court for your estimated charges and if they produce statements then amend claim

[onlymepault]

write to barclaycard re there "none compliance" write to DCO saying the same Write to barclaycard state "that this account is in dispute" (or pay minimum ammount) estimate ammount of charges i.e guess and procced with request for payment, LBA, and mcol within the normal time scales If court date arrives and they have not provided statments they will be a little red faced if they have to explaine to judge that this is an unsubstanciated ammount coz we won,t comply with lawful requests and we think we are above the law ..keep copys of any and all coraspondance sent recorded delivery of course..so you can show court that you tried to resolve this before getting to court(they take a very dim view of people who show disreguard for the law)TAKE NOTE BARCLAYCARD are you sure the £120 isn,t all thats owed .they dont seem to have done this with other people i.e refund anything till court date is looming

[Glenn UK]

I am getting nowhere with Barclaycard. I requested copies of my charges issuing them with S.A.R - (Subject Access Request) request. When did you send this? I then got a letter back stating I had a total of £120 in charges. They cashed two cheques for £10 each for the statements but have yet to receive them. They then credited me £120 to my account and ignored my request. This has been going on since August and I have still not received my statements. What should I do. I know I need to complain them to the Information Commissioner Get on and do it then, its a simple form online i believe but I am unable to get a figure of charges as they are ignoring my letters but they keep leaving messages on my answer machine to contact them which I refuse to do as my account is gone over the agreed credit limit because of all the charges and I don't know what else to do? Well burying your head in the sand is a sure fire way to mess up your credit rating and finances. Get a grip and deal with it. If its all charges related write to them telling them the account is in dispute.Please help

 

Sorry if thats a bit abrupt, but don't ignore the problems they wont go away.

 

You need to deal with it before it causes you more problems.

 

JMHO

 

Glenn

[sea-sidelady]

Hiya Nancies.

 

Here is the step by step guide. It tells you what to expect..

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Have you decided which to do. Mcol or N1?

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

If you need any more help, just post and i will give you the info.

[nancies]

Many thanks Sea-sidelady.

Is it best to fill out the MCOL or the NI form.

 

I am going to ring Barclaycard early this afternoon before I proceed to court proceedings. I also need to mention to them about the fact they sent me somebody elses statements including my own. I will post this afternoon.fingers crossed!!

[sea-sidelady]

A lot of people prefer N1 as you hande everything in to your local county court an d they do everything for you.

 

They Also check over your forms for you.

Mcol is al on line, but they do have a customer service line.

 

If you are exempt from paying, then you will have to do N1.

 

That is disgusting, getting some one elses statements.

What about the data protection???

 

The court did it with me, sent me some one elses claim forms. I just shredded them.

[bobflemming]

Phone Adrian Whalley at Barclaycard. He is head of DPA. Sorted me out.

 

07920267281