Default Barclays running credit account

[B11]

Hi,

Im new to the forum and have seen the various threads for people who have had successfully had defaults removed as they where added incorrectly.

My issue:

I had a barclays account which had an outstanding some of £1400.00. It was one year that I had no statments or paperwork from them. Then I recieved a letter from debt managers who asked for the payment (seems the debt has been sold off). I paid the amount with my credit card but Barclays added a default on my account with no notification. I sent a letter asking why. This is what they said:

This is a running credit account and therefore payments can be requested upon demand.

A terminiantion notice was sent to me to tell me this. (not recieved one and can this be a default notice)

No default notice is required as this is a running credit account.

Is the above correct? Im really confused and feel that I've been had by Barclays. Does the default have to be sent? Is a termination notice a default? How could I back my arguement?

Really appreciate everyones help here...

Thanks
B11

[B11]

Really would like your help.
Thanks

[thekat1979]

I read on here somewhere - but can't seem to find it now, that with running credit, a termination notice is all that is needed and this is in the place of a default notcie - in effect the same thing, but different terms for different types of account.

I'm new here so wait for someone to confirm that, but I am pretty sure I am correct on that.

[B11]

Thanks for the post thekat1979

Hopefully someone is able to clarify. In an original correspdent they did say that a default was sent now they deny this as its not required. So they have contradicting information which confused me.

I was hoping that a default notice is a requirement for this account as then I have a case to contest against them

[B11]

Any information on this by any chance anybody?

Deperate for some help.

[deedee1310]

Send them a CCA request and include within it a request to see the default notice that was sent to you and the notice of assignment from the original creditor.

I can send you a letter to use if you PM me.

deedee

[B11]

Any ideas?

[B11]

???

[deedee1310]

B11 as far as I am aware they do need to send you a default notice. All a default notice is them telling you that they are terminating the account due to your not meeting your contractual obligations to them. Barclays do usually send them out. I know because they sent me one on my 21st Birthday many moons ago, to terminate my account(s) with them. I've still got it

Funnily enough I am banking with them again (yiikes) and have my Business Bank Account with them too!

deedee

[B11]

Thanks DeeDee.

I've just recieved word back from the them. They have provided me with a certified copy of the termination notice but no credit agreement.

What should I do now? request they send me the credit agreement?

If they dont have to send a default notice then how would I go about getting this removed as I planning to buy a house in the coming year and very unlikely to get a competitive deal.

Thanks for your help so far

B11

[B11]

No CCA provided?
What regulation can I use to request my CCA because if they are unable to provide this surely they are unable to put a default against my account.

[B11]

No CCA Provided, What do I do?
What would be the best way to approach this?
Thanks

[B11]

No CCA Provided, What do I do?
What would be the best way to approach this?
Thanks