Isubiela -v- BC

**lsubiela** · 26th January 2009 23:32

Hi Slick,
I have a Barclaycard agreement dating pre April 2007, however my credit limit was increased in 2008 will this have any adverse affect on any claim against an unenforceable CCA?

**slick132** · 27th January 2009 00:36

Hi Isubiela,

I've moved your post into your own thread to avoid hijacking.

BC will probably reduce your limit to what the card is at for their own protection.

**lsubiela** · 27th January 2009 10:07

Hi Slick,
I haven't yet made a CCA request but are you saying that should I request one and they find they are not in possesion of a an enforcable agreement that my credit limit is likely to be reduced even if the card is at its current limit?

Apologies if I have misunderstood you!

**slick132** · 27th January 2009 14:15

Hi Isu,

No apology required - I didn't make myself very clear above.

If you write to BC asking for the credit agree't for the a/c, they will reasonably assume you are challenging the enforceability of the debt you owe. They'd be daft to advance you further credit on an a/c where they may expect you will challenge either the debt itself or the rate of repayment.

If you had a card with a £3,000 limit, you had £500 owing on it and then you send a CCA request, BC will likely reduce the limit on the a/c to the balance you owe or close to it. Otherwise, you could whack a £2,500 HDTV on it and THEN decide to query the agreement.

What is your aim in challenging the existance of an agreement with BC.

Have you suffered any penalty charges on the a/c in the last 6 years icon

. These can be reclaimed easily now.

Be aware that, at the mo, if you send them a CCA request, they'll likely respond with only a set of T&C's. Read this as a poss alternative strategy - http://www.consumeractiongroup.co.uk...uldnt-use.html

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