Please I need help!! I have been on this forum for a year or so and I went through the whole process of the CCA request after almost a year of letters and debt collectors phoning me, I never got my true signed CCA, BarclayCard say that to support the credit agreement act of 1974 they have given me everything by law they have to and this was the terms and conditions. I never heard again from them in 8 months, I have a barclays Account that i never used and my dad was opening a new bank account and while he was he put £1800 in my barclays bank account till his account was open, this was done on the 3rd of February and on the 9th of February £1692.43 was taken out without notifying me at all, as far as i was concerned the account was in dispute apparently they say it wasnt for 8 months while i was waiting for them to reply. Apparently they can do this its called off setting, I have never heard about it or been warned off it, I have phoned everyone I can, consumer credit, ombudsman, debt help line, you name it and they cant help me, this money was not mine just in "safe " keeping for my dad till his bank account was opened, I asked why they gave me no warning, they said so I wouldnt move the money!! I rang them and begged them to put the money back because it wasnt mine and we can settle this in court and they basically said doesnt matter what i do i will never get this money back, I am devastated I cant give my dad his money back and I just dont know what to do to solve this. Please can someone help me, are they allowed to do this and can I get this money back????

Thank you so much.

Hi everyone, I have another problem now that im not sure how to sort out, I have had to change my number so that Mercers no longer contact by phone because it was getting to, sometimes 5 calls a day and I just could not take it anymore I have been now recieving letters from Mercers ever since saying I need to contact them because they no longer have my number etc. So I have been ignoring there letters and still waiting for my true CCA agreement. Yesterday I recieved a letter from Barclaycard saying...... I write further to your letter and the enclosed £1.00 fee requesting a copy of your executed agreement (asked for 3 months ago!) for the above account. Please also accept my apologies for the delay in response and for the inconvienience this may have caused. Please find the following documents enclosed: . A copy of you original Barclaycard Credit Agreement at the time you opened your account (this so called agreement is just a photocopy of a barclaycard agreement with no debt recorded on it, no dates and no signitures. not even my name! nothing but what an agreement would say) Its like they have send thousands of these photo copies out and beware there is a section saying to cancel the agreement (no one must sign and send it back because i assume its a [problem] so they have your signiture.) . The current credit limit on your account is £****.** . The current balance on your account today is £****.** . The next minimum payment of £***.** is due 06/04/2009 . Please note, a copy of your current Barclaycard Terms and Conditions will be sent under seperate cover. This is the best part of the letter: The information we must provide to you under the term of section 78 is prescribed by the Consumer Credit Act 1974 and by the Consumer Credit (cancellation Notices and Copies of Documents) regulations 1983. You will be recieving your next statement shortly which will provide you with the full details of your account. This complies our obligation to you under section 78 of the Consumer Credit Act 1974 your sincerely Joanne Robinson Court Orders and disclosures Legal and regulatory Compliance Now this took Barclaycard 3 months to put together and send to me and still fail to supply me with my true signed credit agreement (which as we all no dont have now.) I then today recieved my statement and every month thay have been putting on loads of interest and still sending me out bills, and Mercers are still contacting and from the letters I have sent to them it clearly states by now they should of closed this matter, and written my debt off because they could not supply me with my CCA! My question is: I am trying to put a letter together to Barclaycard basically saying that they have to stop sending me bills and putting interest on the debt and to basically supply me with my true CCA or po!!! Can anyone help me pls Thanx again

Thank-you I will try this letter aswell, I'll send it recorded and do I send it only to barclaycard and ignore merces? Thanx again for your help I really appreciate it.

Hi Everyone, Ok I need some serious help:wink:, I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........ I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :grin:. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money. Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law. Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed. Ok So can someone with experience in this matter help me out PLEASSSSEE!! Thanx a mil natasha:-)

Hi Everyone, Ok I need some serious help:wink:, I got an email a while back from a company saying they could get rid of my credit card if I recieved it before April 2007 stating that the law had changed and that a solicitor from there company will do it for me, but then i realised that they wanted me to pay £500 and other costings, I then thought well if they say they can do it 100% so can I and that brought me to several different forums and when reading and seeing that there are many people doing the same thing but doing it themselves, I thought to give it a go at doing it myself........ I found a template requesting my CCA from Barclaycard on the 15th of December 2008 with £1 postal order I was to give it till the 5th of January for a reply and never heard anything. So I came back to the forums and it said to send them a second and final letter giving them 30days to send me my CCA or an explanation of why they couldnt. They sent me the terms and conditions, with my statement stating on the letter they dont have my CCA :grin:. So i left it and on the 4th of February my debt should of been unenforcable. In the time from the 15th December till the 4th of February I must of received 10 phone calls from Barclaycard asking for there money. Today the 7th of February I recieved a phone call from a debt collecting company called Merces and the man was quite rude saying I owe the debt, I spend the Debt and I will no matter what pay the debt, I stated that I did not receive my CCA and he said to write to them again which I refused because they had ample time. I feel as thought Barclaycard are trying to scare me into paying this debt. He even threatened to send debt collectors round.He also stated im incurring interest every month.I thought this was against the law. Ok so I am a bit worried now and dont know what to do, Can anyone please advise me, what if I do get Debt collectors at my door and do I stick to my guns? Reality is I have spent it but If there is a law stating i dont have to pay it If there is no CCA then why should I, also if I add up what I have paid I have paid them more then double of what I owed. Ok So can someone with experience in this matter help me out PLEASSSSEE!! Thanx a mil natasha:-)