Barclaycard claim under section 75

DullGreyGuy

No_No_No_Yes said:

DullGreyGuy said:

Banks tend to have very locked down systems which is why they cannot access file sharing networks like GoogleDrive. Would you be comfortable thinking that the telephone agent you just spoke to could be downloading all your account details (and everyone else they speak to) and sticking it all into a storage system outside the control of the bank?

3mb is a fairly large amount of space unless you are sending videos? You should be able to resize photos to a reasonable size etc and then stick files into a ZIP folder and up load that as a oner. 

I don't see why I can't give the bank a link to access only what they need from my Google Drive.  My link could be inserted on one of their secure forms, then they would request access and I would grant it.  All done securely.

Instead, I had to spend days collating the info from emails for a period over a year of communication with the company gone bust.  The only way to provide the info was to first converting all emails to PDF, then fill in one online usecured form, then wait for an email from the bank with a link to a secure form, complete that one, attach a document to it, digitally signed and upload it to them.  The thing to remember is that it can take up to 24 hours to receive the secure link to the second form. 

The upload can only includes maximum of 5 files at one time and the maximum size for all of the five files cannot exceed 3MB.

Some pdf documents contained 30 pages each and those pages had to be split in smaller chunks because the file was over 6MB.  
It all takes time and it's stressful, especially as I didn't know at first how to convert emails to PDF and how to split one PDF file to smaller sections.

All I am saying is that the bank could allow for more than 5 files at a time, with a much larger size to be uploaded, all at once and by only filling one secured form. 

Nowadays, when electronic information is measured in Terabyte, 3MB uploads is simply a ridiculous amount when the bank is requesting ALL communication between myself and the company in question.

Not everyone can easily do things online... It's second nature to some and a total nightmare to others.

As it's easier to simply blanket ban all file sharing sites than try to workout which links are read only and which are read/write which could allow data to escape the system.  If you want real fun then try and two banks to do a one off deal together, you need to black out the first 4 weeks for the IT guys arguing over who's solution is most secure and should host the file share. 

3MB is small in this day and age but have to say its still not uncommon to have very restrictive limits on external emails etc, in part another data security tool. I am surprised you weren't able to compress the files and use ZIPs though. Looking at a random 33 page PDF, its 18mb in its natural state and just using a PDF compressor it can go down to 0.8mb and then to 0.5mb in a zip file

For those of an older generation used to floppy discs and dialup internet, making things small is still a second nature thing.

No_No_No_Yes

DullGreyGuy said:

No_No_No_Yes said:

DullGreyGuy said:

Banks tend to have very locked down systems which is why they cannot access file sharing networks like GoogleDrive. Would you be comfortable thinking that the telephone agent you just spoke to could be downloading all your account details (and everyone else they speak to) and sticking it all into a storage system outside the control of the bank?

3mb is a fairly large amount of space unless you are sending videos? You should be able to resize photos to a reasonable size etc and then stick files into a ZIP folder and up load that as a oner. 

I don't see why I can't give the bank a link to access only what they need from my Google Drive.  My link could be inserted on one of their secure forms, then they would request access and I would grant it.  All done securely.

Instead, I had to spend days collating the info from emails for a period over a year of communication with the company gone bust.  The only way to provide the info was to first converting all emails to PDF, then fill in one online usecured form, then wait for an email from the bank with a link to a secure form, complete that one, attach a document to it, digitally signed and upload it to them.  The thing to remember is that it can take up to 24 hours to receive the secure link to the second form. 

The upload can only includes maximum of 5 files at one time and the maximum size for all of the five files cannot exceed 3MB.

Some pdf documents contained 30 pages each and those pages had to be split in smaller chunks because the file was over 6MB.  
It all takes time and it's stressful, especially as I didn't know at first how to convert emails to PDF and how to split one PDF file to smaller sections.

All I am saying is that the bank could allow for more than 5 files at a time, with a much larger size to be uploaded, all at once and by only filling one secured form. 

Nowadays, when electronic information is measured in Terabyte, 3MB uploads is simply a ridiculous amount when the bank is requesting ALL communication between myself and the company in question.

Not everyone can easily do things online... It's second nature to some and a total nightmare to others.

As it's easier to simply blanket ban all file sharing sites than try to workout which links are read only and which are read/write which could allow data to escape the system.  If you want real fun then try and two banks to do a one off deal together, you need to black out the first 4 weeks for the IT guys arguing over who's solution is most secure and should host the file share. 

3MB is small in this day and age but have to say its still not uncommon to have very restrictive limits on external emails etc, in part another data security tool. I am surprised you weren't able to compress the files and use ZIPs though. Looking at a random 33 page PDF, its 18mb in its natural state and just using a PDF compressor it can go down to 0.8mb and then to 0.5mb in a zip file

For those of an older generation used to floppy discs and dialup internet, making things small is still a second nature thing.

I don't know if the uploads could take zip files or if the banks accept them but I tried to zip the 6MB PDF file with WinZip and WinRAR.  The sipped file was 5MB in both occasions.  Maybe there are specific settings to achieve smaller files but I don't know how to.  I used the default setting.

born_again

No_No_No_Yes said:

born_again said:

No_No_No_Yes said:

[Deleted User] said:

Why are you making a S75 claim here? Did you leave it too long for a chargeback?
A chargeback would have got you a full refund fairly quickly as they didn't provide the items and are no longer trading.

Yes, the claim is months after I paid the deposit, as I was waiting for the work to be carried out but it never happened and no material was supplied.  Section 75 is the right claim for my case.

For future date issues such as this you have 540 days from date of debit to make a chargeback claim.

But is this just for the deposit, or did you also make any other payments via other methods.

Sadly there is no such thing as a simple or fast S75, as the bank is paying out of their own pockets, they want all paperwork. As they are being treated a equally liable & need to make sure that there has been a breach of contract or misrepresentation.
Months is the norm & a year is not unusual.

I was advised by Hies to claim under Section 75.  I didn't know I could have done it differently.

If it is only the deposit, then let the bank decide, not a 3rd party that does not deal with these.

Reason they won't use a google drive is security. Any thing could be stored on there.

Banks will only allow a few file types for the same reason. I know customers send a lot in that simply never gets passed the security, as it's either wrong file type or is flagged as possible virus.

Remember these go onto a banks system, so you can imagine why they have these in place. it is simply not possible to have a separate system, as to many departs receive mail  & it has to be scanned to a customers account.

No_No_No_Yes

born_again said:

No_No_No_Yes said:

born_again said:

No_No_No_Yes said:

[Deleted User] said:

Why are you making a S75 claim here? Did you leave it too long for a chargeback?
A chargeback would have got you a full refund fairly quickly as they didn't provide the items and are no longer trading.

Yes, the claim is months after I paid the deposit, as I was waiting for the work to be carried out but it never happened and no material was supplied.  Section 75 is the right claim for my case.

For future date issues such as this you have 540 days from date of debit to make a chargeback claim.

But is this just for the deposit, or did you also make any other payments via other methods.

Sadly there is no such thing as a simple or fast S75, as the bank is paying out of their own pockets, they want all paperwork. As they are being treated a equally liable & need to make sure that there has been a breach of contract or misrepresentation.
Months is the norm & a year is not unusual.

I was advised by Hies to claim under Section 75.  I didn't know I could have done it differently.

If it is only the deposit, then let the bank decide, not a 3rd party that does not deal with these.

Reason they won't use a google drive is security. Any thing could be stored on there.

Banks will only allow a few file types for the same reason. I know customers send a lot in that simply never gets passed the security, as it's either wrong file type or is flagged as possible virus.

Remember these go onto a banks system, so you can imagine why they have these in place. it is simply not possible to have a separate system, as to many departs receive mail  & it has to be scanned to a customers account.

I can understand your point for the Google Drive but these are banks, they cann come up with extremely complex formulas on how to make money from people and I am sure they would have complex security programs and security people for their day to day business, so I find very hard to believe that there can't be a better solution to my and many others situation with regards to submitting large amount of requested correspondence.

They could create a secure customer portal that only that specific person can upload a series of small files continuously without giving us the runaround, waiting for the next secure form to arrive in up to 24 hours.  That's bonkers!

Also, not once when speaking to a human representative I got told what happen next.  Again we will need to chase its progress at some stage.  

born_again

It will go to someone to review the case once they have all they need. Till then, there is little any call center staff can say. 
In fact they will be told not to quote any timescales. As they will have no idea on the full process. 

But expect months, rather than weeks. Especially if it is a large amount of money.