Thread: over 6 years
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29th June 2009 23:31 #1
over 6 years
I paid a whacking amount of charges between 2000 and 2002 to several credit card companies including Barclaycard. Reckon a couple of grand minimum. I had that much elsewhere to worry about that I never got round to reclaiming anything from the companies whose acccounts incidently got closed in 2006. Recently I chanced my arm with Barclaycard but they got back saying they only deal with records from
6 years ago. Read somewhere on this forum that others have not acccepted this and succesffuly pursued them for more than 6 years ago. Would like to do the same as we are talking a big sum. Could anybody advise if there is any way to push for reclaiming sharges from more that 6yr ago
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29th June 2009 23:31 # ADS
You can use Google to search the web using these links below:-
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30th June 2009 00:59 #2
Re: over 6 years
Hi Rannoch and welcome to
CAG .
Read this for starters - http://www.consumeractiongroup.co.uk...hey-wrong.html Then go back to BC and ask for all statements or data that they hold.
Did you send aSAR with the £10 fee?
Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
If I've been helpful, please click my scales.
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30th June 2009 09:24 #3Site Team
The Consumer Action Group
Cagger since Jan 2006
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- Posts 12,166
Re: over 6 years
a couple of years ago a BBC documentary concluded that
Barclays had a culture of dishonesty.
I have just looked at ourdata disclosure poll The Consumer Forums - data disclosure poll
and I see that already Barclays have disclosed data to people going back to 1995 and also to 1997.
Draw your own conclusions. Go and get your data.Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
- Posts 12,166
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30th June 2009 10:37 #4
Re: over 6 years
I'm in the process of pestering BC for data over
6 years too, so I'll let you know the outcome.
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30th June 2009 13:24 #5
Re: over 6 years
After four attempts at getting some info. out for
HSBC , this is all I ended up with
. I did think I was onto something when I was able to get some old (pre 2000) account numbers over the counter at my old local branch.
Reference FREEPROD/LETOLT
25 June 2007
Dear Mr. Lex
************** & ***************
Thank you for your request with regard to information about transactions and charges on your accounts.
Unfortunately, HSBC only holds this information in the format of bank statements for a period of six years. Our records have indicated that your accounts closed over six years ago.
As a result, we are unable to supply you with the information you have requested.
Should you have any further queries regarding this matter, please do not hesitate to contact us
Yours sincerely
Angela C Harries Centre Manager
I clearly asked for 'All information held'
TheSAR I sent (4 times) was conclusive and can be found on my old 'Beyond
6 years ' thread.
I really should try again.
Lex
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This is always worth referring to
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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30th June 2009 21:37 #6
Re: over 6 years
Thank you all for the responses. Yes I did send the £ 10 which they returned. I shall now press harder - will keep you posted
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30th June 2009 23:48 #7
Re: over 6 years
I'd send BC another
SAR . Enclose the £10 fee again and adapt the letter to say you know it is your right to receive this data and their data storage system has been assessed as being covered by the DP Act by the Information Commissioners Office.
Have this ready to send off if you don't get back what you need - http://www.consumerforums.com/resour...mplate-letters-Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
If I've been helpful, please click my scales.
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7th July 2009 20:36 #8
Re: over 6 years
I sent back the cheque but got letter saying they will not go back before june 2003. That statements are on microfiche from April 3003 to May 2004 and then electronically from then.
Very annoyed about this as talking thousands between 200 and 2002.
What should I do now ?
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7th July 2009 21:53 #9
Re: over 6 years
Make formal complaint to the ICO.
Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
If I've been helpful, please click my scales.
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