I have recently asked Barclays for CCA

They have send me the copy of without a signature and said in the letter

In response to your recent request, we are pleased to provide you with the copy of your credit agreement and a financial statement.

Section 77 and 78 of the consumer Credit Act 1974(amended) do not require Barclays Bank

to provide you with a signed original form of the credit agreement and according with the Act

It is not the policy of Barclays Bank to provide this.

Any advise or suggestion

Is this pre 2007 or after 2007?

it is Oct 2006

the loan was originally £25000 and balance now is £2577 and paying £36 per month as I have arrangement with the Barclays Bank

It is an unsecured loan

They are correct...they do not need to provide you with a copy of the signed original under the provisions of The Act.

Being pre April 2007 they would need it though if they were going to try and enforce through the courts.

Thank you for the information

so what happened now

Can't make you pay through court etc no agreement.

Therefore what should I do just carrying on paying them

Or offer them a low figure for f&final settlement

p'haps an sar

anything to reclaim PPI/charges?

If you stop paying I would certainly put the money aside somewhere so that if they do eventually come up with the goods and can enforce then at least you will have the wherewithall to pay.

You need to decide what your actual goal is.

If the debt is legitimate, you had the money and used it and have been repaying for a period of 6 years then why not repay the rest?

Are there any penalty charges or PPI that you could reclaim?

I think there is a letter in the library to ask the lender to confirm whether they do actually hold a signed copy of the agreement...you could send that.

Please bear in mind that we are not about debt avoidance but by all means go through the process to establish the veracity of the debt.

Thank you everyone for your advise

I am thinking to settle this as offering them 30% of total amount which would be £750 and hopping they accept my offer for F&Final settlement

but the only problem is that,this is the maximum amount of money that I can rise for this loan

id sar first

make sure theres nowt to reclaim

it wouldn't hurt to CCA either

no CCA will put you in a far astronger position to offer a very low F&F

dx

I have received a letter from barclays bank regarding CCA

they have send me the contract without my signature and they said in their letter

Section 77 and 78 of the consumer credit Act 1974(as amended)do not required Barclays Bank to prove you with a signed original form of the credit agreement and in accordance with the Act it is not policy of Barclays Bank to provide this .

and the date of the loan was 14 October 2006

it was £25000

and the balance to pay is £2577

Any suggestion or advise please

I am thinking to offer them £750 for F&Final settlement

what do you think any advise

is this on your credit file?

dx

yes it is but not default

Thank you dx100uk you have been great help

on my credit file is mentioned late payment