Just had a call from them, very polite Asian sounding gentleman. He didn't get a chance to ask for my bank details etc, as soon as he mentioned "bank charges" my reaction was "sorry I don't have a clue what you are on about" and put the phone down.

Eventually.... I sent the letter suggested in post#6 on the 27th of Feb, 3 months later I get... BARCLAYCARD SERVICES ACCOUNT NUMBER: XXXX XXXX XXXX XXXX Reference: Section 78 of The Credit Consumer Act 1974 I write further to the letter whereby you note non receipt of requested documents in relation to a request made under Section 77/78 of the Consumer Credit Act 1974. I can confirm that the documents required to complete our obligation to you under Section 78 of the Consumer Credit Act 1974 were sent to you on the 19.02.09. Yours sincerely Danny Dinsdale Barclaycard Customer Services So it seems after taking 3 months to think about it what this **** is saying is that as far as they are concerned what they sent me in post #4 is ok? (Rapidly losing the will to live...) Any more advice always welcome.

Righty ho, i'll get the letter whisked off asap - be interesting to see what they try next thanks again folks.

Thanks for the responses guys The grey area is totally unreadable. Even though I don't have a scanner and had to take pictures using my phone the copy they sent was no better. And as you say on the 'agreement' there is no signature. So I guess that means they are in default? Should I just sent the letter suggested by clemma and see what they say to that?

Right this is what they sent me (eventually) http://i158.photobucket.com/albums/t102/richrichard_2007/bc_letter.jpg http://i158.photobucket.com/albums/t102/richrichard_2007/agreement1.jpg http://i158.photobucket.com/albums/t102/richrichard_2007/agreement2.jpg surely this still doesnt comply with my original CCA request? What the hell are they playing at - running round in circles because they cannot supply what I am asking for perhaps. All advice welcome cheers

If this goes the same way as my current dealings with Moorcroft regarding an Egg loan, you might receive a letter from 'Home Collection Services Limited' (whoever they are, probably just part of Moorcroft) basically saying 'phone us up and pay us some money' - they even have the cheek to begin the letter with GOOD NEWS

Will do, thanks.

Right i'll cut straight to the chase. Received a reply from Barclaycard regarding a CCA request I sent (to Calder Financial). The reply consists of what seems to be a standard 2 page letter, a rather poor quality photocopy of an application form and a photocopy of some T&C's. (see images) Letter page 1: http://i158.photobucket.com/albums/t102/richrichard_2007/letter1.jpg Letter page 2: http://i158.photobucket.com/albums/t102/richrichard_2007/letter2.jpg Application form: http://i158.photobucket.com/albums/t102/richrichard_2007/appform.jpg Conditions: http://i158.photobucket.com/albums/t102/richrichard_2007/conds.jpg Does this mean they have now complied with the CCA request? I am rather unsure as to what the next step is, any advice much appreciated.

This Government is beyond a joke now. My old cricket bat may come in handy...

They certainly are very persistent when it comes to phone calls, had to install blocking software on my mobile and the landline is just unplugged whenever i'm in - no intention of discussing anything with them over the phone. Already sent the letter regarding harassing phone calls which they seem to have ignored, surprise surprise.

Greetings, Received a letter the other day and I just wanted to make sure it's just an empty threat: We are dealing with your account on behalf of Barclaycard. This account is still overdue and we have been able to contact you. We will be instructing a local debt collector to visit you at the above address to collect payment. Am I right in thinking this is just a scare tactic they are using as they have been unable to collar me on the phone?