Thread: pumpkins357 vs Barclaycard

Hi,

So I sent a CCA request and a Subject access request at the same time to Barclaycard, but in seperate letters. I've received a response for both. The Subject access request details came back as expected and I've filled in the simple spreadsheet for the charges.

I've received the following 3 pages in response to the CCA:






This is definatley not a correct Credit Agreement. It doesn't even have my signature on it.

One question is that if there is no agreement can I claim back the payment protection charges I've been paying? I don't even remember agreeing to them.

There also seems to be a nil minimum payment due for some reason.

Any help is appreciated.

Hi Pumpkin,

I got almost the same back from Bcard - just terms and conditions and nothing relating to me. I have just written back pointing out that I didn't ask for the agreement under S78, which is what bcard are hiding behind at the moment, and pointing out that they hadn't sent a copy of the agreement. Also, if they are saying these conditions on a leaflet constitute a properly executed credit agreement they are wrong. The prescribed terms must be contained within the four corners of the agreement, and there is a House of Lords authority on this.

I didn't go for PPI but there are people here who will tell you how to claim that back if it's clear it was mis-sold, or just added on without your agreement.

I don't understand your nil payment at all.

Good luck.

DD