*** Settled in Full ***

[waynedear]

sorry didnt realise...consider my hands slapped!!

[waynedear]

No worries didnt realise.............Anyhow 2nd letter sent today with the info that i have accumilated from my statements....

[waynedear]

Just out of interest I have settled my overdraft with Barclays today and wanted to close my account, should i keep open the account as long as the action i am taking continues...

[Guest Mumofthreeboys]

Just out of interest I have settled my overdraft with Barclays today and wanted to close my account, should i keep open the account as long as the action i am taking continues...

 

Q. I am so angry that when this is sorted out I am going to close my account.

A. Don't close your account. It makes no difference to your bank. Get an account with another bank by all means but do realise that all the banks are the same when things get difficult. Keep your account. You might find it useful one day. Keep a couple of pounds in it and then just don't use it. Having multiple accounts may give you some flexibility

[waynedear]

I already have 2 accounts at ABBEY which i set up a couple of months ago, my Barclays account is now just dormant... I just wondered whether i could close it and still proceed...By the way I know the ABBEY isnt perfect by a long chalk but i am going to try and keep on top of my accounts as best as i can..

[shrek_0]

Hi everyone,can anyone offer some advice on my reply letter.

 

I asked for copy of charges on 12th june,sent my £10 and got this, this morning,16th june.Will give give snippets just to keep brief.

 

I had my £10 back letter says

"bank not under an obligation to present information according to any particular format"

"request to assemble a schedule of charges is turned aside"

BUT

"as the bank is providing the copy statements on a complimentary basis your payment is returned herewith"

 

And this is the whole last paragraph on the manual intervention so bear with me

 

"As regards to your mention of "manual intervention", the DPA does not oblige the bank to comment about internal policiies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the bank does not hold the information you have requested in a form that would be covered by theDPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therfore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA,is in no way an admisssion that there was no such intervention"

 

can anyone shed some light please

Thak you

[waynedear]

I didnt get any of that Barclays seems to be in a bit of a tiz/....no consistensy, i just got everything back no questions asked..

[thewifeandI]

And this is the whole last paragraph on the manual intervention so bear with me

 

"As regards to your mention of "manual intervention", the DPA does not oblige the bank to comment about internal policiies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the bank does not hold the information you have requested in a form that would be covered by theDPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therfore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA,is in no way an admisssion that there was no such intervention"

 

can anyone shed some light please

Thak you

They are trying to find a wording that allows them to maintain the 'manual intervention' argument without providing information. However, if a bank employee makes any kind of adjustment or intervention on your account (I think that this will even include just looking at the account) the bank will record it along with the employee who accessed it. They have to do this for fraud, DPA, privacy and other reasons and it is how they know who leaked a celebrities bank balance details to the media, etc. This information is recorded against your account number so it IS personally linked and should be subject the DPA request (IMO).

[waynedear]

Just out of interest once you send the 2nd letter and give them 14 days to reply, what do i do if they dont reply??

[Guest Mumofthreeboys]

Just out of interest once you send the 2nd letter and give them 14 days to reply, what do i do if they dont reply??

 

Was the last letter you wrote, the preliminary letter or the LBA???

 

If it was the LBA you simply start court proceedings!!!

[waynedear]

No it was the preliminary approach politely asking them to refund my charges...

[Guest Mumofthreeboys]

No it was the preliminary approach politely asking them to refund my charges...

 

Right, now you do the Letter Before Action. This gives them 14 days, don't worry if they don't reply. Then you do MCOL.

[bevt]

Hi

 

I am thinking about taking the first step in claiming back all the charges I have incurred over the last 6 years.

Does anyone know if it will effect my credit rating.

 

If I decide to try and reclaim all my charges I think I will tackle one account at a time just to see how I get on.

 

Would love to hear your views on this

[Guest Mumofthreeboys]

Hi

 

I am thinking about taking the first step in claiming back all the charges I have incurred over the last 6 years.

Does anyone know if it will effect my credit rating.

 

If I decide to try and reclaim all my charges I think I will tackle one account at a time just to see how I get on.

 

Would love to hear your views on this

It may already have affected your credit rating if they have entered defaults against you!!!

 

It is a good idea to start off with one claim until you can get your head round everything properly.

 

Good luck xx

[waynedear]

I recieved a response this morning from Barclays in the form of a CUSTOMER COMPLAINT ACKNOWLEDGEMENT, this was accompanied with a leaflet.

The letter informs me that someone will ring or write to me within the next couple of days with either a resolution or details of the next steps.................. Anyone else had this??

[Guest Mumofthreeboys]

I recieved a response this morning from Barclays in the form of a CUSTOMER COMPLAINT ACKNOWLEDGEMENT, this was accompanied with a leaflet.

The letter informs me that someone will ring or write to me within the next couple of days with either a resolution or details of the next steps.................. Anyone else had this??

 

Completely standard, I've had loads of them. Why they bother with that letter instead of just writing the letter they promise is beyond me!!

[waynedear]

So this is the start then.....

[Guest Mumofthreeboys]

So this is the start then.....

 

Little tip I picked up (which you may already do anyway) but write the date the letter is received by you, cos I noticed their dates couldn't possibly be correct on some of their letters!!!! Just something else to catch them out on

[waynedear]

I recieved another letter from Barclays today from the RETAIL BANKING CUSTOMER RELATIONS.. Basically the letter says they are looking into my claim and I should have a response no later than the 17th July 06, this will be over a month since I sent my Preliminary approach letter, considering I gave them 2 weeks what should I do now????

 

Just out of interest before i found this website i sent a letter to barclays back in March, below is a copy...

 

21st March 2006

 

Dear Barclays

 

As I understand it if I go over my overdraft limit I get charged £30.

 

Also if there are insufficient funds in my account and a direct debit tries to take funds from my account I get charged a further £30.

 

I believe these charges to be excessive therefore I would like to request a breakdown of the costings involved, how the costs are accrued and how these costs relate to the charges that are placed upon my account.

 

Yours Sincerely

 

After i sent this letter i got a letter saying they are looking into it and I would recieve a reply no later than the 24th April 2006, to this day I have not recieved a response, at this point I gave up not being sure what my next course of action would be...

 

This is why this site is fantastic the help and support people give and get on here is exceptional, without question after I win I will donating the 5% to the site...Keep up the good work everyone...;-)

[Guest Mumofthreeboys]

I recieved another letter from Barclays today from the RETAIL BANKING CUSTOMER RELATIONS.. Basically the letter says they are looking into my claim and I should have a response no later than the 17th July 06, this will be over a month since I sent my Preliminary approach letter, considering I gave them 2 weeks what should I do now????

 

Just stick to your guns, wait the 14 days and if nothing happens do what I said in my earlier post and send them the LBA.

 

Don't let them push you around, which is what they are trying to do, to put you off!!!

 

Keep the faith ;-)

[waynedear]

Thanks for the advice....Its much appreciated x

[Guest Mumofthreeboys]

Thanks for the advice....Its much appreciated x

 

Anytime xx

[Rooster-UK]

Waynedear, the bank will try to delay and confuse you at every step (I think they did a nightschool course to learn how to do this).

Don't allow them to distract you from your target.

It's YOUR timetable, not theirs...... You call the shots.

 

Good luck.

[waynedear]

Cheers Rooster, Im actually quite enjoying the challenge, this website however does fill you with confidence!!!

 

Question:rolleyes: Im about to close my Egg card account which ive had for 5 years I dont think ive ever been charged for going over my limit as they always seem to give ridiculous limits, but i have been charged late payment fees on occasion, can i claim these back?

[barracad]

i have been charged late payment fees on occasion, can i claim these back?

 

Yes.