Wife v Barclaycard

**appo0712** · 21st November 2009 13:31

**appo0712** · 21st November 2009 14:02

Second letter is in responce to informing them about sending the T&C in place of CCA as requested.

Any ideas.

Thank you

**slick132** · 21st November 2009 20:24

Hi Appo,

This is the usual scenario really......

CCA request, T&C's are the response, you put a/c in dispute and they say they've fulfilled their obligations imposed by CCA1974.

Read this short thread which ends with a suggested template for use in complaining to the fos icon

- http://www.consumeractiongroup.co.uk...rclaycard.html

Are there any penalty charges or mis-sold PPI icon

on the a/c which you could reclaim.

**appo0712** · 21st November 2009 22:06

Thanks Slick,

Theres no PPI icon

, not sure about charges but I'll look into it.

**slick132** · 22nd November 2009 00:21

Sorry Appo,

I forgot to include the link in my last post - I've put it in above now.

If you don't have the a/c data, send off a SAR icon

.

**appo0712** · 23rd November 2009 14:21

Thanks again Slick you're a star,

I'll be contacting fos icon

, and sending the SAR icon

.

**appo0712** · 8th January 2010 15:54

Update:
Letter send to fos icon

. (no reply as yet)
Account in despute sent to merces
Been bombarded with phone calls icon

from merces, including one on new years day. harassment letter sent , Calls have stopped.
Received a letter today from Barclaycard.

"I write to your recent letter alleging that we have failed to comply with our obligations in relation to your request for documents pursuant to section 79 of the Consumer Credit Act.

Please note that we have already set out, in detail, why we are satisfied that the documents already provided to you have discharged out obligations under the Act. We are under no legal obligation to provide any further documentation to you in this regard."

Do I leave it at that and wait for FOS to contact me?

**slick132** · 9th January 2010 00:12

Hi Appo,

Wait for contact from the fos icon

and then decide how to proceed.

There was a recent Judgement handed down by Judge Waksman in a set of cases heard at the Manchester Mercantile Court. There's a thread discussing the cases here but, be warned, it's a fast flowing thread - http://www.consumeractiongroup.co.uk...-new-post.html

I wonder if, following the ruling on 24th December, BC have decided to dig their heels in, even when the FOS get involved.

Please keep us updated.

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