Reclaiming Charges - How We're Doing

kessik

tm1980 wrote:

Ive sent letters off to Barclays, Barclaycard & Capital One.

Barclaycard have told me it will cost £10 for the DPA check and £3 for each copy statement. So going back the 5 years Ive had a Barclaycard to check the default charges would cost me £180 !! Any way around this?

I wrote to Sainsburys Bank CC and Halifax CC using the template from the Bank Action Group. I only enclosed £10 with each reuest and got 6 years worth of statements - Sainsburys didn't cash the check and Halifax credited it to my (closed) credit card account. So in other words Barclaycard are trying to frighten you off....they have a legal obligation to provide you with the information you want and can charge no more than £10 for the service.
HTH
kessik

PS I can spell but I seem to have lost my 'cue'!!!!!;)

La_Tristesse_Durera

Have posted this on the consumeractiongroup site now - thanks for the help

La_Tristesse_Durera

La_Tristesse_Durera wrote:

Have posted this on the consumeractiongroup site now - thanks for the help

PS There doesn't seem to be anyone on the board since I posted - maybe they knew I was coming!!! Hehe

Does anyone have any advice at all? Especially re the Amex & GE Capital cards?

:beer: :kisses3:

xlesleyann

If you had a look at the step by step guide you will see the template of letters to use.

I would write to the ones you are waiting on statments for advising them the 40 days are ticking. If they dont respond there is a template in consumer action forum for non compliance of DPA request. I had to do this with the Halifax and I also complained to the Information Commissioner. In the end I got my statements.

With regards to capital one, I would need more info as to what letter you sent them that they refunded some of the charges. If you sent the DPA reuest, you then send the prelim letter (again in bank templates on consumer action group) then the letter befor action if they havent responded within 14 days. 14 days after the Letter before action is sent if no response you can then file a claim in court and charge back 8% interest on each charge and also the cost of the court fee.

Hope this helps. any questions feel free to post or pm me

La_Tristesse_Durera

xlesleyann wrote:

If you had a look at the step by step guide you will see the template of letters to use.

I would write to the ones you are waiting on statments for advising them the 40 days are ticking. If they dont respond there is a template in consumer action forum for non compliance of DPA request. I had to do this with the Halifax and I also complained to the Information Commissioner. In the end I got my statements.

With regards to capital one, I would need more info as to what letter you sent them that they refunded some of the charges. If you sent the DPA reuest, you then send the prelim letter (again in bank templates on consumer action group) then the letter befor action if they havent responded within 14 days. 14 days after the Letter before action is sent if no response you can then file a claim in court and charge back 8% interest on each charge and also the cost of the court fee.

Hope this helps. any questions feel free to post or pm me

nice one... ive just gotta be careful as i have no printer at home and have to do all my letters at work - is a proper nightmare. But if you do have any other hints & tips that would be great

xlesleyann

Ooops forgot to mention about your default. There are numerous posts on CAG (consumer action group) about getting the default removed. Again without knowing the full situation I really cant comment. however, there is a letter here:

http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html

I have just started doing this so not too sure how it is gonna work out. If you have your credit file I would also check that the DCA hasnt also defaulted you for the same debt.

i have just started to clear up my credit file and found I had 2 defaults for the same debt, one from original lender and one from DCA, which I have found out they cant do, so again Im in the middle of sorting this out.

Regarding the charges and non compliance of DPA. Im no expert but have been claiming a few for myself so any help you need I can try help from my experience.

Would certainly recommend if you have time to have a read about the consumer forum on the default and charges. Loads of useful info there.

here is the section on DPA and defaults.

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

This is the letter if they fail to comply within 40 days.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Just worked out your 40 days should be up on wed 23rd August? I didnt receive my statements from the Halifax til 3 weeks after the 40 days were up and I harassed them with phone calls and got nowhere. Eventually I spoke to Mark Kellett tel no: 01422 332991. He was extremely helpful, i advised I would be taking it further and had complained to the Information Commissioner. I then received 2 lots of statements 3 days later. Might be worth a try, he was a really nice guy.



Good luck, hope it all goes well

Like I say if you need any help feel free to PM me

La_Tristesse_Durera

xlesleyann wrote:

Ooops forgot to mention about your default. There are numerous posts on CAG (consumer action group) about getting the default removed. Again without knowing the full situation I really cant comment. however, there is a letter here:

http://www.learnmoney.co.uk/credit-cards/remove_default_notice.html

I have just started doing this so not too sure how it is gonna work out. If you have your credit file I would also check that the DCA hasnt also defaulted you for the same debt.

i have just started to clear up my credit file and found I had 2 defaults for the same debt, one from original lender and one from DCA, which I have found out they cant do, so again Im in the middle of sorting this out.

Regarding the charges and non compliance of DPA. Im no expert but have been claiming a few for myself so any help you need I can try help from my experience.

Would certainly recommend if you have time to have a read about the consumer forum on the default and charges. Loads of useful info there.

here is the section on DPA and defaults.

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

This is the letter if they fail to comply within 40 days.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html



Good luck, hope it all goes well

Like I say if you need any help feel free to PM me

That is grand.
I'll probably set this as me weekend job when I have some spare time - thanks for the tips :beer: