no i haven't , do i still claim them back if im trying to get the debt unenforceable, or do i need to send a sar and find out what they are? sorry im still new to all this and im not sure how it works. thanks

all printed an ready to go will post tomoro, this is going to get nasty i can tell, there not going to just let £10 000 go. thanks again guys will keep you posted.

so do i carry on with-holding payment?

thank you, the woman said by law they dont need a sig? i know thats not true are they allowed to lie like that.

is there a template letter to send them? im not very good at letter writing, if they dont have it i'll be made up, this is my biggest debt. i owe close to £10 0000 after all their charges ! will a court enforce it because i owe so much?

hi, i sent a cca request off to barclays which they got on the 19th nov, today i got this letter. i have rang them, wrong thing to do or not? as it states my agreement is enclosed but i cant seem to be able to see it on their letter. i have told them that i was requesting my agreement with my sig on, the woman said oh so you want your application, i said i sent you a cca so i want what ever is relevant to make it legal. she said what they have sent me is their legal requirement, what do i from here? http://i374.photobucket.com/albums/oo190/minnimes/img020-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img021.jpg http://i374.photobucket.com/albums/oo190/minnimes/img022.jpg

yes they have it would seem, ive been contacted by mercer about a soloution acccount.

had a letter today saying they transfering the debt to a collection agent so i rang them and told them the account is in dispute, the woman on the phone kept trying to get me to say i accept the debt, which i didnt, she said the account is now on hold. ive told her i want the default removed and she said she would forward it to the complaints dept. what do i do now? just wait?

i got a letter from fos today, there saying i haven't had a final response from blackhorse and i haven't followed procedure? they have written to blackhorse on my behalf asking for their final response. the fos have sent my form back to me and i have to resend it if/when blackhorse respond. what did i do wrong?

any one with any tips for my post #44? i do a separate thread for it.

aww ida, bless kids, hope you get it. im not going to challenge them on this cause i dont know enough and ive still got afew other things out standing, ive cca 3 other companies who have all ignored me, i'll keep paying them what i can afford and if the take me to court then i;ll cross tht when it happens. just while im getting replies, could you tell me how good barclays are at keeping records? ive cca'd them on the 17th nov, i owe them alot of money. again applied for when i was on benefits, they used my husbands income to get me the card and continued to raise my credit limit with out me asking, and now after all the charges etc i owe them almost £10 000! i took the card out a while ago now. i think about 5 yrs ago. if they do produce a cca, what counts ad irresponsible lending and what can i do about it.

at the moment im trying to get them to accept £25 a mnth, they're refusing although i still pay them and they do take the payment. ive sent them copies of our income/out goings,as drawn up by cccs, and still they say no to my offer. they know i cant afford to pay more and i think im being reasonable given our circumstances. i dont want to go down the charging order route because my hubby sustained an injury at work due them not maintaining their equipment,so he is claiming against the company and hope to negotiate a settlement once its been to court. im just waiting for them to say their taking me to court. im thinking a judge would favor me as im doing the best i can. i may also try going down the irresponsible lending route as all my income was benefits and they used my hubby's wages at the time to bump my income up.

im not sure im brave enough to go to court, im pretty new to all this.

so theres no point me challenging them? after all they havent sent full terms and conditions, or am i just going to be wasting my time. thanks for your help.

yeah, i tried asking and just got told its enforceable. im willing to give it a go, just worried i'll get a ccj, but my credit file is ruined now any way so ive not got much to loose, dont suppose you could write me a letter to send them with all your points in? im no good at letter writing, im also sick of them NEVER going through security with me.

they also didnt send me the original terms and conditions, they only go up to point 3! this is also my argument, how do i know it is my docment? it could be a template which they just add some ones name and address to. i think they know theres somethin wrong with it as they are now concidering taking my reduced payments, they've always said no before.

thank you

no it was after, ive posted what they sent me in my mbna thread, if you could take a look?

ive just had one sent to me by mbna (its in the mbna forum) and it looks abit odd, not sure why it just doesnt look real. a couple of people have said that after an online "tick" is recieved they should then have sent me a agreent form which i would have had to sign. if anyone know's anything about online forms or wants to take a look for me that would be great. they also sent me a default with the cca?

dont think i had to give an actual sig cause it was an online application but to me it looks like they just made it and posted it. there are no details about me on it except my name and address. there is nothing to link each page so how do i know that the page with the tick which they claim i did is actually mine? hmmm, seems abit dodgy but what do i do about it?

i also notice that the charges on this page are £12 yet earlier on it says charges are £25. it cant be both so i know they dont tally. just dont know what i can do about it.

i dont think it needs a sig cause they say it was online. i really cant remember if i did it online, we moved house 5 days after the date on the "agreement". it doesnt look right to me either.

can anyone help with this?

i know,lol, im doing it now, internet explorer closed so have to start again. OK all done,

ok need help. mbna have sent me a supposed agreement. just looks like a load of printed sheets. could some one please look at it and tell me what they think, they also sent me, current terms and conditions, copy of my latest statment and a default notice. http://i374.photobucket.com/albums/oo190/minnimes/img008-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img009-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img010-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img011-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img012-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img013-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img014-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img015-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img016-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img017-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img018-1.jpg http://i374.photobucket.com/albums/oo190/minnimes/img019-2.jpg they also sent a copy of my statment which is pages 1 &2 of the default. where do i go from here?