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.
I sent the lovely people at Barclaycard a CCA request to which they sent back just a copy of their terms and conditions on the 15th working day after my request. I sent them a letter saying that due to the lack of a signed agreement and the also their failure to fully comply within the 14 working day time limit that they were in default and that my account was officially in dispute.
This morning I received the attached letter back from them saying that THEY HAVE complied with my request and I AM in default.
Could someone please take a look at the letter and advise me whatto do next.
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.
Further to the above, I have sent Barclaycard a letter (from the forum) saying that as I only received t&c's but NO executed agreement, they have FAILED to meet my CCA request.
This morning I got a reply back from them (attached below) saying that they HAVE complied with my request.
Could someone please guide me as what to do next as I'm really in the dark now.
Either use 'link 2' in slicks signature above and go the cpr route or you can send a Subject access request and threaten Court action when they dont send your CCA in with the SAR
Barclaycard will not send you a copy of the cca under a normal s77/78 cca request.
You could stop paying the a/c on the basis that you consider them to be in default of your CCA request. They'll start to harass you pretty quickly, but that tends to die down after a while.
Or you could pursue the CPR strategy using the 1st two letters. This is still in it's early days and we have yet to see how effective this is in getting sight of the agreement.
If they decide to take you to court (which is probably still a long way off), they'll have to produce a valid agreement to the court.
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 Cca Problems!!
on the 15th working day after my request. I sent them a letter saying that due to the lack of a signed agreement and the also their failure to fully comply within the 14 working day time limit that they were in default and that my account was officially in dispute.
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Re: Barclaycard Cca Problems!!
