Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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not sure how much im owed from barclaycard. i know i was paying them £40 a month and it was always late. so i got charged £20 a time for that. must have been at least once a month at the worst for 3yrs maybe.
debt is now owned by Cabot it has risen by over £800 pound since i defaulted altogether. CCA was sent to Cabot 10/7/07. 12 working days and counting
S.A.R - (Subject access request) was sent yesterday recorded delivery. with the £10 cheque.
lets see what we get back from them. in the next 40 days.
ok have got my statements but as guessed they are only back till aug 2004, so they havent complied with my request as of yet. but there leter does state "The information we have enclosed relating to this account is all that we hold"
so next step is wait the 40 days and then issue court proceedings i take it by reading moneyhelps thread.
also the debt was meant to have been sold in 01/06 so why? have barclaycard sent me statements uptill the 20th of may 2007 seems odd to me.
one thing that hasnt been answered can barclaycard still keep the account running once it has been sold. as in the debt was sold in 2006 yet i still have copies of satatements showing they are keeping track of it. seems really odd to me that they can keep a record of something they no longer own the rights to.
the latest statement claims 0.00 balance the one the month before has a balance set at the amount i would have ignored the debt at. but the debt claimed by cabot has risen by over £500 difference.
sorry just made a mistake mate. the dates are wrong on the debt brought. i was looking at the wrong copy of deed of assignment, in the coversheet it has Barclays plc trading as barclaycard. hence my confsuement. sorry just checking credit for correct date.
strange thing is the deed of assignment is for a barclays bank but not to do with credit card. it was a bank account. seems strange why would barclaycard get mentioned if it was a bank account. sorry for confusement once again. might be better to stick to one debt at a time lol. instead of trying to sort mine and the wifes out all in one go. feel a headache coming on.
blimey that was odd. just been rung back by barclaycard.
they will look into and pass on to the correct department, the request to findout why i hadn't recievced all statements dating back to jan of 2001 as thats all they have on file
will have to guess the rest before that date. thats only if they can produce the correct CCA as requested. otherwise it is a case of claiming it back. and sorting out the rest wiith them.
Vogelrok vs Barclaycard
) was sent yesterday recorded delivery. with the £10 cheque.
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