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.
Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
...No response!
Sent them request all with 1.00 postal order, all recorded delivery! Calders and Mercers showing delivered, Barclaycard, ironically showing still at PO! May be lost!
So, can I still go ahead with the next letter - i.e. the unenforceable debt one?
FYI, the debt is with mercers; I have an arrangement with Mercers to pay £50 a month on a 4K balance.
but am now getting statement again from BC.
Should I resend the BC by special delivery or just file the next letter?
Re: Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
Originally Posted by blue_eyes777
...No response!
Sent them request all with 1.00 postal order, all recorded delivery! Calders and Mercers showing delivered, Barclaycard, ironically showing still at PO! May be lost!
So, can I still go ahead with the next letter - i.e. the unenforceable debt one?
FYI, the debt is with mercers; I have an arrangement with Mercers to pay £50 a month on a 4K balance.
but am now getting statement again from BC.
Should I resend the BC by special delivery or just file the next letter?
Thanks
At the moment Barclaysharks appear to either be sending nothing or copies of current t&c's.
Recorded delivery doesnt always show on the website as being delivered, I've had multiple letters show just as being accepted at the post office and yet I've had responses.
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
Re: Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
Hi Blue eyes.
BC will only reply to your CCA wth a set of their T&C's, so don't waste another fee and Rec'd Del'y on them.
Read Link No2 in my signature below about an alternative mathod of seeing your Credit Agreement. I think this should be sent to BC and not Mercers who are simply BC's pet collection office.
Are there any penalty charges or PPI on this a/c which you can reclaim.
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.
Re: Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
There may be penalty charges but I haven't sarred them yet.
which BC address do I send it to...the one on the statement?
Do I enclose a £1 fee again?
Special delivery or recorded.
Do I send the next letter to Mercers or wait?
Re: Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
Originally Posted by blue_eyes777
There may be penalty charges but I haven't sarred them yet.
which BC address do I send it to...the one on the statement?
Do I enclose a £1 fee again?
Special delivery or recorded.
Do I send the next letter to Mercers or wait?
You'll get various responses to this I'm afraid I always sent CCA and SAR requests to the address on the back of the statements, others have had letters advising them to re-send to a different place.
IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.
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.
Sent CCA request to Calders, Mercers, and Barclaycard on 9th February 2009
Reply With Quote
Originally Posted by blue_eyes777
I always sent CCA and 