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  1. Hi Basa48, do you have a link to your thread so that I can take a look. I have a letter prepared to send to their debt collectors, Triton, saying that the account is in dispute, which I shall send Special Delivery. They have already defaulted me several times I think, because I stopped paying back in January this year. Roko20650
  2. Hi all, Did a Subject Access Report on Tesco. I received loads from them but the only signed form which is the same application form that they sent me under the CCA request. This clearly states "Apply for" which Cerbrusalert felt was unenforeceable. I think therefore that they are not able to enforce the debt and therefore they and the Debt Collectors they have appointed are in breach of the Data Protection Act because they do not have a signed agreement, is that right? Where do I go from here?
  3. Can someone take another look at this, although probably this is front and back of the same form, and all the prescribed terms appear to be there, this is a 2000 agreement and there is wording on it that says "By signing this agreement, you confirm you have read and accept the Egg Card Conditions a copy of which is enclosed. The Agreement will only be binding on us when we have completed our final checks and you have signed and returned the credit agreement to us". Is there any mileage in the fact that they imply that checks have not been completed? Just a thought as I can't understand how most of these agreements are unenforceable, but mine is? Roko20650
  4. They were sent as two separate sheets, but that is probably splitting hairs as it could be an error in copying. Do you think there is any point in writing again to them and asking that question, would they tell the truth or should I make an offer of payment to them to avoid a CCJ? Roko20650
  5. Thanks, Stressed 150m Yes I will do what you suggest. Both my husband and I have Barclaycards independently and they have just sent the exact same stuff to him. Just statements. I will write again and send Recorded and post here what there response is. Do you know what happens whenthey exceed the 40 days and they have in my husband's case?
  6. At last after having sent a Subject Access letter I have now received a pack from them. However, my letter was dated the 20th May and their reply was dated the 30th June, sent Special Delivery and I did not actually collect from the post office until today 3rd July, does that make them out of the 40 day time limit? Anyway attached is the letter they sent together with a copy of something which was signed by both myself and husband. Can you tell me if in your opinion this is enforceable? 90630 ltr and DSIR Egg.pdf
  7. Hi Stressed150, The letter I sent is the very comprehensive one in the templates which clearly asks for everything they hold as you suggest above, and they have confirmed in their letter "this is all the information you hold" but that cannot be the case. I have had telephone conversations with them in the post requesting them to reduce the interest rate etc and they should be able to reproduce all that. So I'm suspicious. As I sent the request on the 20th May the 40 day period is now up. Do you know what happens now? Roko20650
  8. Hi All, Now received a reply from Barclaycard to my Subject Access Request. I sent it on the 26th May and received it yesterday. All they have sent me is copies of statements of my account back to Jan 2004. There is nothing signed, no forms, no T&C's although the latest versions of these has been received before. They confirm in their letter that this is all they hold! What now, can they enforce the debt if they confirm they have nothing signed and are they allowed under Data Protection to pursue me through debt collector? I have been receiving regular calls and letters from Mercers who are threatening by phone call and letter to instruct local debt collectors to call at my home! Help and advice please on next step. Roko20650
  9. At last I have a reply from Barclaycard following my Subject Access Request lettersent on 26th May by Recorded Delivery. All they have sent me is copies of my statements from January 2004. They say in the letter "This information we have enclosed relating to this account is all that we hold." So they have never sent anything other than T&C's before. I have been getting serious hassle from Debt Collectors who say that no matter what I say the debt is enforceable! But if they have not got anything signed who can it be? Are they in breach of Data Protection for having passed it onto Debt collectors? What now? please help. Roko20650!
  10. Hi all, Some more advice please. Have received loads of calls and letters from Mercers and have in the main ignored, however, sent them a Subject Access Request on the 27th May, I think recorded delivery. This letter has crossed with that. What now? Do they still have to reply as their letter attached says they will not enter into correspondence any more with us because they have supplied what they are required to do. 90528 Barclaycard DA.pdf
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