Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 8 of 8
  1. #1

    Default Barclaycard Debt

    Hi There,

    Not posted for a long time, but here goes!

    Owe Barclaycard 9000 and have sent them a CCA, they have replied with a letter sending me a copy of the agreement but not signed by me. They are saying the account is not in dispute because of any delay in providing your copy documents as section 78 (6) (b) was repelled on the 31st May 2008. It is now no longer an offence for a creditor to fail to comply with s78 (6) for more than one month.

    What is my best plan of action now.

    Thank you in advance for your replies.

    Steve H


  2. #2

    Default Re: Barclaycard Debt

    is this the one that was sold to cabot or another one?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3

    Default Re: Barclaycard Debt

    Hi There, This is direct with Barclaycard. Am i right in thinking that without an agreement they cant take me to court?


  4. #4

    Default Re: Barclaycard Debt

    original creditors don't do court anyway
    they'll sell it on .

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  5. #5

    Default Re: Barclaycard Debt

    Hi There,

    Should I just stop paying them the 50 a month and let them sell to a DCAicon then, and then tell them they cant take me to court as they have no agreement?

    Regards


  6. #6

    Default Re: Barclaycard Debt

    it not being signed does not make it unenforceable under the CCA
    age however plays a part.

    I think you might have sent a really old CCA Requesticon by the sound of it as the 30days criminal offence bit went +10yrs ago..

    theres a lot more than that to it now, especially with reconstructed CCA that might well meet the act but not strong enough for court claims.
    why don't you scan up the CCA return to one multipage PDFicon
    read uploadicon

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  7. #7

    Default Re: Barclaycard Debt

    Hi There, Do you mean uploadicon what they have sent me? How do i do that?


  8. #8

    Default Re: Barclaycard Debt

    Read the end of my post above

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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