In response to a CCA request made my my mum to Monument, she received a set of terms and conditions detailing interest rates, all the standard stuff. She also received a signed 'reply card' that makes references to the terms and conditions. I have noted however that it says 'I have read condition 22 of the T and Cs'.....but upon checking out the attached terms and conditions there is no condition 22, they only go up to 16.

Does this mean the agreement is not enforeable?

http://i513.photobucket.com/albums/t336/Poolio22/Mum%20MandS/Mum%20Barclaycard/Mum%20MBNA/Mum%20Monument/MonumentReplyCard.jpg

Poolio,i have one of those reply cards too,

no prescribed terms, as it stands if thats all they have its unenforcable

ps, even in my sars request thats the only agreement they could come up with,

Fingers crossed, it looks like what they have sent you is the same as mine, a worthless piece of paper:D

They will keep writing to you though telling you they have complied with your cca etc etc,

Send them the account in dispute letter,

hi they sent me one two, in dispute:) still sending me statements every month adding more and more interest and things

Thanks for the replies

I'm not surprised there are no agreements. Providian was sold to Barclaycard in 2003 and the paperwork would not have been transferred. For those being sent statements and still being pursued for payment, make a formal complaint to the DCAs complaints department with a copy to the OFT for their information. They are in breach of the Consumer Credit Act 1974, the Data Protection Act 1978, the Administration of Justice Act 1970 and the CPUTR Regulations 1998 for pursing payment on a disputed account for which there is no credit agreement.

Hi pinky69 thanks my statements are still comming from monuments they just dont listen or read the letters you send to them:mad:

That's why I would make a formal complaint to their complaints department and the OFT to get rid of them. Either produce proof of this alleged debt or stop sending me statements you have no legal right to send me as you have no legal authority to transact any activity of any kind on this alleged debt.

hello poolio

how you got on with these people, any luck

cheers and good luck angel x

hello poolio

 

how you got on with these people, any luck

 

cheers and good luck angel x

Hi Angel sorry for the awfully slow reply. I sent Monument the account in dispute letter and they replied saying the CCA is valid, etc. However the debt has now been passed on to Lowells who have been stalking me by sending letters, ringing me and texting!!! I have sent the dispute letter to Lowell and will see what happens.