Thread: lee32uk v Barclaycard

Hi all
I sent Barclaycard a CCA request under s77/78 back in January 09 and as yet i have not had a reply.
I sent them the following message through my online banking message system:

Dear Sir/madam,
I sent a CCA request on January 30th 2009, which was received at your Northampton address on 2nd February 2009.I am yet to receive a reply. Please note that until i do, the account will remain in dispute. Please refrain from telephoning me regarding payment, as non will be forthcoming until such time as i receive an adequate reply.


I received back the following message which is quite puzzling


Dear Sir/Madam

Thank you for your e-mail.
Barclaycard aims to treat all our customers equally regarding claims under
section 75 of the Consumer Credit Act, irrespective of whether they are the main cardholder or an authorised user on the account.

This is not a legal obligation within the Consumer Credit Act. However,
Barclaycard adopts a voluntary policy whereby all cardholders are protected under Section 75 whether they use their Barclaycard at home or abroad.

We deal with every claim on a case-by-case basis but as a rule, will cover the amount spent on the card only, as opposed to the full purchase amount. The limits for cover are the same for foreign purchases as well as purchases in the UK - a minimum claim amount of £100 and a maximum of £30,000

In order for us to effectively be able to resolve your query, please
call Barclaycard Customer Services on 0844 811 9111, or from
abroad on ++ 44 1604 230230 to clarify the relevant details.
When calling the Customer Services number, press 6 and you will
be transferred to a Customer Account Manager.

For your convenience, a Customer Account Manager will be available
to assist you 24 hours a day, seven days a week.

I trust the matter will soon be resolved.



Anyone any idea what the heck they are on about???? It mentions section 75 and a claim I havent made any claim, i just want a true copy of my CCA for which i have paid £1


Maybe i should just send them another message


thanks
Lee

I would email them again - obviously having a senile moment

Thanks for the replies

I thought i would send them another email, and they now seem to have grasped what i am refering too
Apparently they are going to send my agreement within the next 7-10 days, so we shall wait and see.
From reading some of the other posts on here, no doubt i will receive a cca for someone living in Lancashire

cheers

Lee

Originally Posted by lee32uk

Thanks for the replies

I thought i would send them another email, and they now seem to have grasped what i am refering too
Apparently they are going to send my agreement within the next 7-10 days, so we shall wait and see.
From reading some of the other posts on here, no doubt i will receive a cca for someone living in Lancashire

cheers

Lee

No you won't but you will receive Terms & Conditions like I did + another two copies after complaining.

Originally Posted by beachcomber60

No you won't but you will receive Terms & Conditions like I did + another two copies after complaining.

Spot on

Received two seperate letters from Barclayshark.One had the terms and conditions and the other was just a covering letter stating my credit limit etc.Looks like i will have to go down the cpr31.16 route.

These swines sure know how to harass you.Had 3 calls in the space of 9mins today (SAT) and they woke me up at 8.45am.
How would i go on about going to court for harassment ? or is it not a good idea
I plan on sending them the harassment by telephone letter first thing Tuesday.

thanks
Lee

Received a Default Notice (Saturday) from Mercers I know that they are Barclaycards in house collection department, but should the default notice have come from Barclaycard ? or does it not matter ?
In any case the notice looks valid so I will just have to wait on their next move.Looks like I am now going to get harassed by Mercers....oh what joy
Will I need to send another telephone harassment letter to Mercers or am I wasting my time ?


thanks

Thanks for the link Slick.

I will post a copy of the Notice up too so that others can comment.I think they may have only given me 13 days.

Regarding going down the CPR route to get the CCA, would this work instead?

1) I send Barclaycard a SAR asking for all the usual stuff, and also request a true copy of the credit agreement.
2) They send everything apart from the CCA
3) I write back telling them that they have not fully complied with my SAR as the CCA is missing.I give them a further 7 days to comply.
4) If they still don't comply I apply to the Court to make them.

Would the above work the same ?

I have been reading through the CPR thread and it is a bit confusing for someone like me


cheers
Lee

Here is the Default Notice Mercer's sent me.Reading the link given by Slick above I presume that if the letter is dated Thurs 14th May then it would deem to have been served 2 working days later, so Monday 18th May.Fourteen clear days from then is 1st June, but they have given me until 31st May.Am I correct in my calculations?

thanks