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Hi All,
Tomorrow brings up day 14 after my CCA request to BarclayCard and another. These were sent and tracked by a co-combatant in the UK, however my BarclayCard address is in Australia.
Does the 12 +2 apply regardless of international circumstances?
Am I also correct after much reading here that I am being too kind, and could simply ignore the remainder of the (5k, now 2k) debt (am now on full interest and several years of occasional charges)??? Perhaps offer them a settlement?
Next payment is due 12 Jan, I will allow this time for the CCa to appear...any recommended next step?
Many many thanks,
J2020
I've moved your thread from the Barclays to the Barclaycard forum.
I can only confirm my understanding of the UK situation - whether it applies strictly to Australia where I assume your card was issued, I cannot say.
If they fail to supply the credit agreement within 12 + 2 days, they are in default and cannot demand payment etc until they comply.
If there is no credit agreement, you can repay the debt at a rate which you can afford and they cannot enforce the debt in court.
However, it may take months to reach that stage and, if you fail to keep up payments, they may still refer the debt to DCA's or take court action against you, even though they should not.
They'll not accept any offer to settle at this stage.
Have you reclaimed all penalty charges on the a/c to reduce the debt.
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.
Thanks Slick132
I have noted some of your previous posts with interest...(and charges lol).
The card(s) was from time in the UK, am now in Australia.
The S.A.R. is the next step...Should I wait, no CCA, refuse payment, trigger their demands, then send S.A.R., or get going now?
I have the same situation with MBNA - same actions?
Would love to know what the quickest route might be to come to a settlement with these 'people' - paying off the whole amount is not possible right now, however partial as F and F is...?
Do you know what you have been charged in penalties in the last 6 years, even roughly.
These can be easily reclaimed from BC to reduce the debt.
In my opinion, you're a long way off from getting BC to take any F&F. In fact this is only likely once they've sold the debt to a DCA (for a pittance).
I think you should focus on getting back any charges. If it transpires that BC don't have a valid Credit Agreement, they should stop adding charges and interest to the a/c and you can then repay the debt at a rate you can afford.
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.
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.
BarCard CCA request from Australia
and several years of occasional charges)??? Perhaps offer them a settlement?
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Re: BarCard CCA request from Australia
