Help! Sent SAR to Barclaycard and received letter from DCA!

**jenquack84** · 12th May 2007 12:00

Hi everyone,

I need a little bit of advice with Barclaycard. It has been unpaid since November 2005 and until today I haven't heard anything from them. I sent my SAR icon

on April 23rd, and today I have received a letter from Buchanan Clark and Wells debt colleting agency asking me to contact them to settle the full amount! (£815.27) I had some idea that this might kickstart them into coming after me for their money, but haven't really thought about how to deal with it!

My claim for charges will amount to around half of the outstanding amount, plus a claim from Barclays icon

itself will roughly add up to the other half. I have read somewhere that no collections action can be taken against an account where the amount owed is in dispute but who do I contact? And how do I go about it?

Any help you can give would be very much appreciated!

Thanks

Similar Threads:

**jezzyjet** · 12th May 2007 12:42

hi there, continue with the s.a.r request and treat the DCA icon

as a seperate matter, if you want to you could hit the dca with a cca s78 letter requesting your original cca and if they cant provide it in 12 working days the debts uniforcable till they do!(if they can that is) hope this helps

jezzy

**noomill060** · 12th May 2007 13:41

Yeah- hit them with a CCA s.78 request, stating in the letter that you are disputing the amount of the debt due to unlawfully applied penalty charges.

That will shut them up.

**noomill060** · 12th May 2007 13:44

(your address)

(the DCA icon

's address)

(Date)

Dear Sir/Madam

ACCOUNT NUMBER: XXXXXXXXXXXXXXXX
Under s77(1) and s78(1) of the Consumer Credit Act 1974, you are ordered to supply me with the following documents:

1) A true copy of the executed agreement relating to the above referenced account.

2) A true copy of the deed of assignment of the above referenced agreement.

I enclose a £1 postal order Serial Number: XXXXXXXXX as payment of the maximum statutory fee.

Please note that this account is in dispute icon

due to illegal penalty charges and interest icon

levied thereon.

Yours faithfully,

(your name)

(Your signature icon

)

Send the letter by Recorded Delivery and keep the reciept and PO number in a safe place.

**jenquack84** · 13th May 2007 14:09

Hi,

Thanks so much for your response, I posted on the debt forum aswell as I didn't know where it would be best going. I'll get that letter off first thing in the morning!

Cheers!

ChloeJane · 13th May 2007 14:24

Hi there,

A similar situation with another user on the site and thought you might find this letter helpful.

http://www.consumeractiongroup.co.uk...tml#post769322

Send it off to the debt collection icon

company.

All the best,

CJ

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