Thread: Got the Usual T&C's, what next?

Hi,

I requested my CCA from Barclaycard several months ago and have received 2 lots of terms & conditions but nothing with a copy of my signature on. The card was taken out in 1998 so I think they do not hold a copy of my agreement and neither do I. I have been paying the minimum payment but recently had to stop work because I had twin girls and I'm self employed.

How do I put this account in dispute on the basis of them not providing me with my CCA and should I keep paying.

Please help.

Hi, please could you help, I sent the following letter to BC:
[FONT='Times New Roman','serif']Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974
[/FONT][FONT='Times New Roman','serif']
I note that you have replied to the above by sending an old copy of your companies terms and conditions and a current copy. I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act.

To clarify, just sending the terms and conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a "true copy" of the agreement.

This breach of the agreement can be demonstrated as follows;

As you will know section 180(1) (b) authorises, "the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form." This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557.

Before leaving section 180 there are two other sections that should be remembered these are:

Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements;

And more importantly

Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations.

You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations.

Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557.

[/FONT][FONT='Times New Roman','serif'][/FONT]
[FONT='Times New Roman','serif']The regulations state:
(2) There may be omitted from any such copy-
(a) any information included in an executed agreement, security instrument or other document relating to be included therein by the Act or any Regulations there under as to the form and content of the document of which it is a copy;
(b) any [/FONT][FONT='Times New Roman','serif']signature[/FONT][FONT='Times New Roman','serif'] box, [/FONT][FONT='Times New Roman','serif']signature[/FONT][FONT='Times New Roman','serif'] or date of [/FONT][FONT='Times New Roman','serif']signature[/FONT][FONT='Times New Roman','serif'] (other than, in the case of a copy of a cancellable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies);

It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations.

The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso.

Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions.
It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented.

I hope this explains why your reply was unacceptable. I await a True copy of my agreement and would remind you again that, whilst the request has not been complied with, the default continues.

Yours faithfully[/FONT]




And today I received a 3 page letter explaining that they had fulfilled their obligation and the debt still stands, I know many people have been in this situation and am wondering what to do next.

Caggers please help.

Will do Slick and good luck Willy

To Willy2006,

Had a look at your threads and you don't seem to be getting any responses, I think you should open a thread for each of your dad's 3 cards in the appropriate organisations folder, ie Barclaycard, RBS etc. If you don't get a response and your thread stops being on the first page when you need it to be just post a reply saying "Bump", and that will move it up the ladder as it will have a recent date on it.