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I sent off a CCA request with £1 although I am not entirely sure what I should have received back. I keep reading about prescribed terms???
I would post a copy but the writing is so small, I have had to use a magnifying glass to read it!!! Not the best copy.
The covering letter states that they have sent me a copy of your latest executed agreement. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you enetered into the agreement. However, the interest rates have been omitted and the fees and charges have been suspended and no longer applicable due to the current status of your account. (My account is in recovery - payment plan with nterest frozen but I have stopped payments from Dec as I just can't afford it anymore).
They have sent me a notice of arrears (3 pages with very little on) and a copy of the account conditions. It does state 'this is a copy of your agreement for you to keep. It includes a notice about cancellation rights which you should read.'
Looking over it has the folowing:
These are a copy of the terms and conditions of an agreement between us (Barclays Bank Plc) and you (the person who signed this agreement) - This is just a photocopy of what looks like a leaflet. There is no signature.
It states standard balance APR's for 3 different tyes of accounts.
The charges are £20 for a returned DD etc I took this card out approx 2001/2002
There is no where to sign it if it is an agreement but there is a cancellation box.
Finally, the covering letter states This completes our obligation to you under section 78 of the Consumer Credit Act 1974.
What should I be looking for?
I have sent off a SAR today and it detailed that I want a true copy of the original executed agreement. Is there anything else I should be doing?
Thank you in advance for any help and advice you ma give.
Sounds like BC have sent you T&C's which is what they're doing for everyone just now.
The SAR is a good option, especially if you specify you want the Credit Agreement.
The alternative is to use the CPR approach as set out in Link No2 in my signature below.
If you have charges on the a/c, the statements which, I hope, you get back from the SAR will enable you to reclaim all penalty charges which you've suffered on the a/c.
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.
Sounds like BC have sent you T&C's which is what they're doing for everyone just now.
The SAR is a good option, especially if you specify you want the Credit Agreement.
The alternative is to use the CPR approach as set out in Link No2 in my signature below.
If you have charges on the a/c, the statements which, I hope, you get back from the SAR will enable you to reclaim all penalty charges which you've suffered on the a/c.
Also, read the Reclaiming Guide at Link No1.
Thank you so much for taking the time to read ad reply. I will check out the links as you have suggested and await the statements nd true copy etc.
Another question, do I reclaim the charges before I send the unenforceable/account in default letter (if that becomes the case).
I'd start the reclaim process as soon as you have the data you need.
This can be done regardless of whether the debt is enforceable or not.
You can insist on being paid by cheque or have the refund used to reduce your a/c balance. They'll want to reduce the balance but the choice should be yours.
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.
Barclaycard/littlewoods Flexible Account Plus
rates have been omitted and the fees and charges have been suspended and no longer applicable due to the current status of your account. (My account is in recovery - payment plan with nterest frozen but I have stopped payments from Dec as I just can't afford it anymore).
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Originally Posted by slick132
