Thread: CAR & SAR-Barclaycard/NCO Letter returned-Help

Hy
Im sorry i dont know where I am with my threads etc. Im not feeling well either, recovering from open heart surgery?

1] Sent NCO a CRA with £1 PO on, saying that they had 14 days to reply;
I recieved a letter from NCO on;
They said I hadnt sent the £1 PO and I should send £1 to cover payment and that they would send details I originally requested.
I then sent a stern letter to NCO on;
in which I high lighted my original request and sent proof that £1 Po had been sent.
Today 10th November I recieved reply from NCO, who say the following;
NCO are in recipet of my cvorespondance, which they recieved in there office on 2nd nov and that they will fully investigate my concerns.
My letter passed to Barclaycard for there attention and asked me to allow 7 - 10 days from the date of there letter in order for them to respond, if I still havnt recieved credit agreement then i have to contact NCO so they can contact Barclaycard

Now on to SRA
I sent a SRA to barclaycard last week enclosing £10 PO
Today I recieved my original request letter, with PO attatched and a date stamp of Barclaycrad Teeside 6 Nov 2009 on letter and Barcyalcard OFT Support stamped 11 Nov 2009.
They attatched a complement slip and say;
"address quoated is different to that held by us. If recently moved please contact customer suport"

and this is it?????????

I moved over 18 months ago, I sent change of adress letter and loads of other letters with no response, but NCO who i am paying £16 per month to, know that my curent address is my contact address. Also Barclaycard sent a letter for my partner to sign so they can discuss my details with them and this was sent to me to complete at my curent address.

So how Ido I sort out all this mess, can anyone help please as I want to get my reply sent tomorow asap, many thanks.

hy PGH7447
please look at my details as I already sent RSA request to barclaycard and they sent my leter back saying address isnt what they have on there records
many thanks

But If Barclaycard had sent me corespondance before here to me and also NCO ther DCA have been sending letters here, how can the Barclaycard say they havnt got my new address?

or shall I have to start all over again, yet NCO have been sending letters to me about debt payments for the last 6 months or more?

Hy
I did a letter last night to send today, stating that they had contacted me before and NCO had also, I also found on the computer the letter May 2008, sent to Barclaycard Northampton, explaining I can only aford £16 per month, and at that time it was with Mercers/ also had to move and not to send any letters to old address.
I have redated the SAR for the 10 Nov, am returning original SAR request and £10 postal ordre and that I will accept no further excuses as to why I cant have my information/

I will write to NCO as they have long past there 14 days;

It now seems acording to NCO letter recieved yesterday that the balance is £6200+, yet Barclaycard say £6,400+ and yet another total from September is not even showing payments I made, so I have no idea of the following;

1]Actual balance owed?
2] I asked for interest to be stoopeed, I dont think it has?
3]No idea of any monthgly charges made by Barclaycard over 18 months?

any idea what I do now, also fos are looking into my complaint that Barclaycard took £699 from my a/c which was towards rent money

many thanks

Hy
Please Help;
I recieved the following;
1] Leter from NCO saying wait 7-10days for a reply regarding CRA request

2] my origina; RSA and £10 Po from Barclaycard saying that the address on file is not that I quote, yet I have coresponadance from them at my neew address

3] Recieved today? From barclaycard-
"i write further to your letter requesting a copy of your executed agreement.......
Ref- Section 78 of the CCA 1974

Please find enclosed a copy of your latest executed agreement......
However, interest rates have been ommitted....fees and charges have been suspended and are no longer applicable.....as your acount is now in a recovery programme......This completes our obligation to you under section 78 of the CCA 1974."

Odd since Barclaycard added £400 of inbterest from april to sept this year?

They sent 3 pages photocopies;
Page 1 - Blank has just "1994"
Page 2 - Barclaycard Conditions Of Use- all the jargon
Page 3 - Application[A very poor copy mostly black
Name, Adress, Work, Home etc are all blank, Date & Sig are also Blank?

How do I know what charges, payments etc and balance is if they dont provide me?

I will send SAR, but what is this copy that they have sent me?
can anyone help, have they failed in providing me with a true copy and can I disput this now
many thanks

hy
so what barcyacard sent see my post above, the photocopies of an agreement which is blank totally, isnt my true agreement? as I am at a loss now and not feeling so well so am flagging a bit
thanks