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Wanted to check the validity of my Credit Agreement with Barclaycard. I am having great difficulty in obtaining a copy. They cannot produce a signed copy of my Agreement and tell me that when I first used the credit card I "digitally signed" the Agreement. Has anyone else experienced this response from Barclaycard? Any feedback welcome.
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.
Hi Slick, many thanks.
The B'card Account was opened Sept 06 on a Classic Application Form, they have not produced a copy of an Executed CCA and are unlikely to. Their Bullish Press Gang "Mercers" of Liverpool say that the agreement was agreed & accepted by me by using the card for the very first time and called it a "digital signature". I've asked them to put that in a letter to me confirming their view, Mercers say they don't need to as they have told me verbally during a telephone conversation and they have closed their file. All I think, most spurious, what are they playing at?
I've written today again directly to Bcard requesting a copy of the original signed CCA drawing their attention to their obligation under the Act to provide me with a copy of the executed agreement.
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.
If Barclaycard do not send the agreement after a cca request then how would I go about getting a copy? SAR maybe? Civil Procedures will not apply as I am in Scotland.
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.
Fraserwhp -v- Barclaycard
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