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
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
The letter dated 17/01/2009 came in one envelope with the (almost) blank application whilst the letter dated 19/01/2009 came in a seperate envelope with the T&Cs which were double sided on a single page.
What does anyone think of this, and how should I respond? Is there a suitable 'Account in Dispute' letter?
Thanks for your help.
You need a 2nd thread for the MCard a/c and leave this for the Visa a/c only. Otherwise they'll get confused. I've already changed the title of this thread for you and set up your new thread for the MCard a/c.
This is currently BC's standard response to our CCA request. They may, in fact, have fulfilled their obligations by responding in this way but they have not provided you with an enforceable credit agreement.
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.
Have you suffered penalty charges on this a/c. If you have, you can start on your Schedule of Charges (SOC) which will form the basis of a claim for repayment of the charges.
Read the Reclaiming Guide at Link No1 in my signature below.
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 Slick
Thanks for that. I'll write asking for a signed copy of the Agreement under the disclosure rules and over the weekend I'll start on a spreadsheet listing all the charges.
The longest journey starts with a single step, but I feel that I'm in control and that I'm working at my own pace rather then having to react to events as they are forced on me. Great!
I'll post updates here as the story unfolds as I hope that my journey will help others.
i would like to sub as ive now had the same like you but no copy of any application form only the terms and conditions and the normal letter in your post number 1
but your scan no 4 ie the letter giving info on your amounts etc, i would suggest you go in and amend the figures that are personal to you, they do come and have a nose around our forum, and those figures could identify you to them if you know what i mean
just for your protection im thinking
good luck and can only offer you supprt at this moment as all this is still newish to me
take care laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Hi Angel, thanks for the tip. I can imagine that every bank, cc company, DCA or anyone who is petrified of CAG have whole departments whose sole activity is to go througfh the posts here. Anyway, I've deleted the upload document and if anyone wants to see it they can post a request here or PM me and I'll upload an amended version. I really dislike Photobucket as its a real palaver to scan the stuff in and upload it. Isnt it possible to simply upload a PDF file as an attachment to the post? If so why dont caggers do it?
Following on from Slick's suggestion (post #2) I'm about to send them a disclosure prior to action letter. I'll try this other route and see what happens. At the very least this activity costs them money and energy and ties up their resources.
i think u might have to delete or edit your first post too, as ive gone back to link 4 in your first post and can still see your figures in the letter bcard sent you
go and delete it completly from post 1
yes well, its tiring for us but essential we do it and hope they fall down and dont do their bits right
laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
hey no problem, its easily done and i did worse, i left my full name and address on a cca so i was showing a lot more info,,,,so very thankful to chalkitup for letting me know by pm so promptly,
so i keep a special eye for that sort of thing now for others
so do i understand you correctly you are going to use the cpr route now and send them a request ?
i will definately keep in contact it maybe something i next need to do, im going to SAR them tomorrow though, as ive written a dispute/complaint letter and they havent yet responded, and i had given them 14 days to respond.
good luck and take care
laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Hi Angel. Yup, I'm going to duff them up by making a request and following through to an application to the court! Puts me in the driving seat. I dont think that they have a leg to stand on and they know it. Once I've explored all avenues including the SAR route I'll start proceedings. I reckon that they will go as far as the door of the court and then cave in.
Interestingly they dont 'phone me anymore, they just send me texts asking for cash and that my credit rating may be affected.
Have a smashing weekend.
Z
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 Slick, and thanks for the prompt response. As you suggest I'll keep a watching brief on the outcome of the current case. As far as charges are concerned, yes I have set up a spreadsheet for charges and another for calls (silent and live) plus texts. I've passed that onto my local Trading Standards office who sem to be on the consumer's side and have been really helpful.
I've also used the harrassment letter template but as yet they havent replied. More waiting, but I'll give them another 14 days and send them a chaser.
so you got some kind of reply,,, did it really take them about 2 months for that reply you got back??
im all for being reasonable!
anyway they have surpassed my very reasonable time limit - i am aware of this case going through so im sure others will wait too, but im thinking of not sending out the second letter but just a little concern no responce see if i get the same rubbish back
laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Hi Angel, well yes it did. But then they've been fighting a rearguard action on the plain vanilla banking front PLUS they know that they dont have a leg to stand on and that I and a shed load of other CAGers are coming after them. If you were in their position wouldnt you procrastinate and obfuscate?
im thinking along the lines of the data as within my sars nothing of anything really sent to me with regard to my agreement,,so i think i might try that angle first, just to be a thorn in their side so to speak lol
anyways its good to talk.....
thanks and lets see what transpires at the end of the month on the court case on the link which ive subbed to already
have a fun eve laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Talking about thorns in sides straight after Easter I'm going for £5k damages from them for the incessant telephone calls & texts I'm getting from them. I actually have it down to a fine art. I refuse to give my date of birth, tell them to put it writing and hang up. Anyway, I also used the CAG standard harrassment letter and reported them to my local trading standards office who are very good.
I also belong to a minority ethnic group and am going up that path with the human rights and ethnic NGO as they 'phone me on my holy days, so they are infringing my human rights in being able to practice my religion freely and peacefully without let or hindrance. That should spoil their weekend!
Thankfully I'm not phased by these box tickers as I fought terrorists & insurgents for 11 years and someone in a northampton call centre is nothing compared to hereford! Do they know who they are dealing with?
Should you not request in writing that they don't contact you on certain days for religious reasons. If they continue to do so, you'd have a stronger case.
Is it not also you prerogative to NOT answer any phone calls on those days, if doing so interferes with your religious activities.
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 Slick
Thats not being Devil's Advocate, you're just dotting the 'is' and crossing the 'ts'! In any evnet I did give them a full list of dates in my complaint letter and I dont answer the phone on those days anyway, so I am already implementing the necessary action to trump them.
I've also been advised that irrespective of the exitence or absence of a CCA, valid or otherwise, a breach of HR legislation could mean that any alleged debt is wiped out, but the situation on late payment/default charges is less clear in that instance. So in effect I'm fighting on two fronts ~ the lack of a valid CCA and breach of my HR.
Of course I also get instant gratification since they are unable to contact me by telephone. Oh great joy!
Barclaycard Visa CCA
Reply With Quote
Re: Barclaycard CCA
Re: Barclaycard Vias CCA
