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just wondering how many people have requested a CCA and got a true and signed copy back from barclaycard and how many have got back unenforcable paperwork
I would love to collate the figures on this by date of request and date account started just so we can find out when BC bought a shreader and when they cut the plug off
add your dates below and i'll drop them into an excel sheet and produce regular updates
This problem is far less black and white than we'd like because PROVING a CCA reply is NOT an enforceable agreement, and getting BC to accept this, is a lengthy process.
If this proves to be suitably popular, I'll see if the Team agrees to Sticky it.
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.
Hi there - when it became obvious that I couldn't afford to keep paying for 3 Barclaycards I have, which I haven't used for over 13 months now, I stopped paying. I got the usual letters and harrassing phone calls.
I decided to send them 3 CCA requests with individual postal orders sigend for on delivery on 24th November this year. I received nothing back from them and when the 12+2 had passed I send 3 Failure to respond to my legal request letters all signed for on delivery. These went out on 16th of December.
I still get 8 to 10 calls a day on my mobile and the home phone but still nothing through in the post!
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.
I am sure my Barclaycard is over 20 years old. I requested the cca on 11th November and just before Christmas I received the Barclaycard current terms and conditions. Have yet to reply to them.
I think this would be a good idea for all cards if possible. At least it would indicate whether the companies are likely to have the originals or not.
You won't believe this, but amongst the New Year texts this morning from family I had a Barclaycard text as well!!! On New years day!
I am just amazed. I will start my own thread on my barclaycard experience so far, but they haven't replied to my CCA from November, so I am unsure if I should write to them again or not.
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.
Hi
I think this is good idea, I had three credit cards with Barclays, one was originally with the woolwich but barclays now own this.
No 1(previously woolwich), upon requesting the CCA they replied they had no records and wrote the debt off(as simply as that)
No 2 eventually they sent me a letter stating I had zero credit, zero owing and zero interest my next payment was due the 8th and would be zero.
No 3 they fought very hard, but I am a tough cookie, it is now at court 'stayed' because they could not find a reasonable arguement.
To summarise 3 credit cards with no enforceable CCA.
I am at the moment recovering from flu and will provide you with dates etc later on
Good luck
Gill5blue
ps. see my signature if it helps you
1)WOOLWICH full refund of charges £260.00 WON
2)MBNA Recieved wasted costs order WON, Jan '12 default at Experian yet to be removed
3)WOOLWICH BARCLAYCARD(credit card) WRITTEN OFF-WON
4)CCA BARCLAYCARD(Mastercard)(c redit card)01.04.08 court case stayed Jan '12 still the same
5)22.05.07 CCA BARCLAYCARD(VISA)(credit card)22.05.07 TO 22.07.08 correspondence
10.09.08 ACCOUNT REDUCED TO ZERO-----WON NOT YET.
Jan '12 they changed their minds account not reduced to zero, Default on file, but I don't hear from them.
6)CITI (credit card)dec 2008 citi have gone silent
Jan '12 I have not heard from CITI since Nov '10 and default not at Experian anymore
7) CAPITAL ONE. account written off and defaults dissapeared.
Hi
I used the template letters, but as slick suggests start your own thread and the help will arrive from more experienced site helpers
Good luck
Gill5 blue
1)WOOLWICH full refund of charges £260.00 WON
2)MBNA Recieved wasted costs order WON, Jan '12 default at Experian yet to be removed
3)WOOLWICH BARCLAYCARD(credit card) WRITTEN OFF-WON
4)CCA BARCLAYCARD(Mastercard)(c redit card)01.04.08 court case stayed Jan '12 still the same
5)22.05.07 CCA BARCLAYCARD(VISA)(credit card)22.05.07 TO 22.07.08 correspondence
10.09.08 ACCOUNT REDUCED TO ZERO-----WON NOT YET.
Jan '12 they changed their minds account not reduced to zero, Default on file, but I don't hear from them.
6)CITI (credit card)dec 2008 citi have gone silent
Jan '12 I have not heard from CITI since Nov '10 and default not at Experian anymore
7) CAPITAL ONE. account written off and defaults dissapeared.
CCA requests hit rate ????
's......any chance of a sticky ????
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