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Having gone through SAR's and Section 78 requests, and having been sent just numerous copies of different terms and conditions, we still haven't received anything resembling an agreement. OH wrote and pointed out that nothing they had sent complied with request, and received the following letter:-
would you now then be supposed to consider this is as their final letter?
im just wondering if it is now time to complain to fos?
i know of others who have in the past and have got their cca that way
im thinking of doing my complaint today to fos
when i can find the links of the threads im thinking of i will come back and edit this post and link in for you
must dash out for a few hours but will be back later to see how you have got on and see what others have said
keep positive
laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
As the letter says they will not communicate further about this, you can consider this to be their "final response" and, accordingly, you can now complain to the fos to see if they'll intervene so you can get sight of the Credit Agreement.
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.
thanks slick for adding the link, it was the one i was thinking of but yesterday was a bit of a hectic day - my apologies for not getting back
hope it helps you Mightyacorn and good luck
laters all angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Nothing from Barclaycard, till today, they've only gone and sold it to Lowell. Is there a template letter please for this situation, ie Account in dispute and sold on?
Since you started this thread, things have changed a bit and there have been some important rulings, eg:-
1. Casey v HSBC which shows it is no longer generally viable to take a bank to court seeking a ruling of unenfoceability. If the bank takes YOU to court, you still have a good chance of defending if there are faults with the credit agreement.
2. Kneale v Barclays which Kneale originally won forcing Barclays to produce a credit agreement after a CPR31.16 request. Barclays appealed and won meaning it's no longer wise to seek sight of your credit agreement using CPR31.16.
If the a/c was not in clear dispute, you may have problems arguing that the a/c should NOT have been sold to Lowells. Have you checked out the Default Notice timing - ie did they give you enough time to remedy after giving you notice. And was the DN fully compliant.
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.
Mightyacorn OH and Barclaycard
's and Section 78 requests, and having been sent just numerous copies of different terms and conditions
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Originally Posted by angel_1
