My rights?

antispam246

I'm working on a rather complicated issue which I posted about here awhile back. I've come to a slight dilemma. The issue lies with Barclays bank.

I've had, 3 connect debit cards, all on the same account, we'll call them 1, 2 and 3. i'm obviously currently using 3 the 1 and 2 being old cards which are gone. However I now need a list of transactions that were made on cards 1 and 2. My statements do not make any indication of which transactions came from which cards. These cards, 1 and 2 date back over the past 3 years. It's ver important that I find out exactly what and all payments/transactions made with cards 1 and 2.

The easy thing to do would be to simply check through my statements and work it out using dates. Where card 1 was in use say jan 2003 to jan 2004 all transactions made during that would be what i want, for that card. I CAN NOT do this. Reason being is, Card 0, yes 0, the preceeding card was in use simultaneously with both issuings of card 1 and 2. As I used my card heavily it's not possible to distinguish or recall which transactions were made on which card.

Now I called Barclays, they said they couldnt find it out, they said as card 1 and 2 were now cancelled the information wouldnt be there. I pushed it and they tried credit/debit services for me. Pretty much the same thing, they couldn't find that information out, in the end the lady I spoke to suggested I go into my local branch and ask. I felt as if i was being somewhat lied to and prefer dealing with people face to face so I can atleast get an idea and not have people run off on me.

The next day I went into my local branch, I sat for 20 minutes explaining what I needed and was ultimately told they couldn't do it, they told me they only hold records dating back 6 months, which was.. odd and somewhat irrelevant, I had the feeling the person I was speaking to was out of her depth. Eventually she called debit/credit services for me and asked. I didn't infornm her I'd tried this already due to what I mentioned previously.

The first thing credit/debit services asked her to ask, having explained what I needed was, "Why?" I wasn't going to divulge the real reason and I gave them something which should have been enough. This really !!!!ed me off, it basically told me that they could get the information but they were more pre-occupied with my reasons. In the end i got fobbed off again with, "no couldn't be done" by credit/debit services. The lady i spoke to in barclays that made the call even went to pass me over so i could speak directly to them and they refused!

After all this, it became apparent that credit/debit services had mentioned something on the sly to her, in regards to asking why. I still didn't give up that information as it wasn't necessary in my eyes and would have most likely ended it there and then. She ended with saying, not specifically but implying, the information could be found out, but i'd have to write to them with specific reasons. I thanked her for my time, left and as suual got angry with her actually wasting my time.

I need to know if i can get this information, 2 old cards, now cancelled on the same account as my current card. I need a list of all transactions tkaen place using those cards, which date back over past 3 years. I have both card numbers (1, 2). Both of these cards were used fraudulently, which is partly why I need the information. This they knew, and asked why i left so long to ask, which again I evaded for my own personal reasons. As I stated initially, complicated.

Any help or advice here appreciated. I can ring through to debit/credit services myself but I feel they'll give me the same answer. Shouldn't I have a right to this information regardless of reason?

Nemisis_WOF

Well this does sound fun.

I recently had to get bank statements from my bank (TSB) to provide proof of residency at my previous,previous (yes you read that correct it's not dejavu) address to my mortgage application people and they were able to give me statements of my account dating back up to 5 years ago during which time i have had about 4 different cards for the same account (Mine always seem to wear out on the signature strip after a year).

So basically yes you should easily be able to get this info and since you have your cards numbers you should then be able to check the transactions on the statements against the card numbers. Simple!

Or it should be anyway, I can't really understand what all the fuss is about at your bank, It's your account, your right to view the info, they have the info (usually they keep a minimum of 6 years!) SO what gives?? OH and if you gave them the card numbers required i can't see why they would not be able to give you a print out of just those transactions, Bank computers are very very flexible in what information they can show up.

antispam246

Thanks for replying, appreciate the help.

I should clarify. I can't check the cards (1 and 2) against my statements, they give no indication of what card was used and as I stated 2 card were in use simultaneously making it near impossible to identify the transactions that were made from both cards 1 and 2.

You're right, it should be damn simple. But they told me, in person, they couldn't do it. I asked her, shouldn't it be simple to sort the transactions by card number, especially as I have the card number, I only got "we can't", "we don't store that information" basically what I deemed alot of rubbish.

I'm still really unsure on how too approach this. Again referring to my initial post, how should I go ahead and ask for this information, say if I call through to credit and debit. I know they're going to duck and dodge and simply ask me WHY i need it, when they should just damn well tell me.

lynzpower

do you mean the previous cards had expired, ie they ran out of date, and you got a replacement?

Could I ask why you need to know this, is it for bank charges reclaim?

Millionare

hi, I used to work in a bank.

They lying if they say they only hold six months of info. Banks internal systems will have all you records from the date you opened your account.

Regarding the cards, banks systems in general do not show(on the surface) which cards were used for which transaction as they are allocated to the same a/c. they in general only have info that money was taken out of said a/c and was taken by "A" debit card, which ever one(s) are active on the account..

however they can find the info out by digging deeper into there systems (and/or only some systems have access to that info) if they wanted to but would require someone to sit there going through every one of you single transactions and then going through a procedure to get the info and manually writing it down. they cannot print it off because it will have other internal info on there. so basically one screen per transaction. 1000 transactions, 1 thousand pages.

this would take them yonks to do. ive done it but for only 3/4 transactions not for someones whole history.

thats basically why they need to know why YOU require the info. otherwise you got no chance of them doing it. and they are not required to provide that info.

antispam246

Thank you.

Card 1 and 2 are cancelled cards, they were stolen and used fraudulently, this they are aware of, this I informed them of although it didn't seem enough to warrant finding out the information for me. I guess i'll have to try asking from a different angle.

rog2

You have the right under the Data Protection Act to ask for information held about you, by the bank and they have an obligation to provide it within 28 days of your request. They may impose a fee - currently £10.00 max.
As already said, the Banks DO have this information - they need to hold it for a minimum of 6 years.

RibenaBerry_2

In relation to Rog2, I agree with you re personal data. But do you think that the card number itself is personal data? I'm not sure that it is - and it doesn't look like they are trying to refuse sending statements themselves, just manually digging into their records for the card number.

Millionare

rog2 wrote:

You have the right under the Data Protection Act to ask for information held about you, by the bank and they have an obligation to provide it within 28 days of your request. They may impose a fee - currently £10.00 max.
As already said, the Banks DO have this information - they need to hold it for a minimum of 6 years.

That is correct rog2, i was going to mention this in the my original post but i forgot.

You can ring them to disclose info such as call logs, communcations etc etc. but this may not cover the info what the OP is asking for. you will need to ring up and ask, and it is around a tenner.

Millionare

By the way, if it was fraudelent transactions, the fraud department should have gone through every one of you transactions with you to highlight which ones are fradulent? or if its 1 specfic card that is used they should have flagged all those transactions on your account and freeze them until the dispute has been resolved after investigation. if they have done that they should be able to list you all the transactions that have been flagged over the phone which you can mark off your statements.

Speak to a supervisor or manager, they will have access to this info.

file_wizzard

rog2 wrote:

You have the right under the Data Protection Act to ask for information held about you, by the bank and they have an obligation to provide it within 28 days of your request. They may impose a fee - currently £10.00 max.
As already said, the Banks DO have this information - they need to hold it for a minimum of 6 years.

Unfortunately, they can and will refuse to provide this data under a standard data protection request as it is not considered to be a “relevant system”.

There have been similar cases recently where data subjects have contested this stance, but these relate more to records stored within microfiche systems, rather than electronically through debit card transactions.

However, notwithstanding the above you do still have the right to obtain this data, but the data controller will reserve the right to apply reasonable charges for supplying it as it would not fall within the requirements of a standard request under S.7 of the data protection act which only attract a fee of the standard £10 GBP.