Barclaycard credit agreement

**cashdesk** · 22nd November 2009 11:18

Hi,

I asked Barclaycard to send me a true copy of my credit agreement under section 78 and they sent a letter along with a photocopy of a credit agreement leaflet. They then waffled on about CPR not being applicable, even though I have never mentioned them in any letters.

I know that there are some things which should appear on a true credit agreement (the prescribed terms) and they all appear in this leaflet.

However, I wonder why they would send this leaflet (all 8 pages) and a full explanation of what they are obliged to send, rather than just photocopy the original agreement with my signature icon

and send that instead. Surely the latter would be the best approach as it removes any doubt as to the enforcability of the agreement.

Has anyone else ever recieved just a copy of the leaflet?

**old_andrew2007** · 22nd November 2009 22:27

Bump

**slick132** · 23rd November 2009 01:39

Hi Cashdesk,

Read other threads here and you'll see the majority are about peeps' attempts to get sight of their credit agreement.

Have you sent them an A/c In Dispute letter yet. If not, see post 2 or 4 here and send your adapted version to BC - http://www.consumeractiongroup.co.uk...RD-no-cca.html

When they write abck to say they've fulfilled their obligations, you could try a complaint to the fos icon

. See here, but only do this when BC have said they'll not correspond about this anymore - http://www.consumeractiongroup.co.uk...rclaycard.html

**cashdesk** · 23rd November 2009 08:19

I have already written to them asking why they didn't just send a photocopy of the signed agreement, like my other creditors did? I asked why they went to the trouble of photocopying 8 pages of a leaflet that doesn't bear any of my details and launching into a rant about what they are obliged to send under this and that law or regulation when they could simply have photocopied the 2 pages of the agreement and sent them to me.

As far as I am concerned, they do not have the agreement (2003, was MSDW, then Goldfish, now BC) and they are trying to convince me that they have.

We'll see.....

**slick132** · 23rd November 2009 13:16

Hi CD,

The reason I asked if you sent the A/c in Dispute letter is that you need them to say something along the lines of....

We will not communicate with you further regarding this.
We have fulfilled our obligations and need do no more.
You may consider this to be our final response in the matter.

Only then can you complain to the fos icon

.

If they haven't yet told you they won't respond further, send them the A/c in Dispute letter linked above, and then complain to the FOS to try and get the agreement.

.... they do not have the agreement .... and they are trying to convince me that they have.

What they are actually doing is trying to avoid sending out any credit agreements, whether they are enforceable or not.

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