Hi sent off that letter regarding loan, but havent had reply to letter. only another direct debit mandate as I cancelled the payments. should I send a reminder or wait till they contact us about non payment? Thanks for your help:)

Hi Davey, Thanks for reply,Halifax reason for closing account was because of our current finanical position, and have given 30 days even though we had kept up all payments,that is until now! they still havent sent copies of missing pages,I think I should write and tell them that the account is in dispute. what do you think? thanks for all your help.

Hi, I had to send them a reminder about a week ago regarding the sar request, they have now replied so i think i have all the information that they have, but still no agreements, and nothing with signatures on, just a lot of printed data with a lot of different codes on, we have also had a letter from mercers requesting payment. Need advice on what to do next please.

Hi, hope some one can help, I wrote back to Halifax asking them to send the missing pages, they have replied by closing the account,and saying that I must continue with payments till cleared, this account has been kept up todate, so it wasnt in arears. Having a closer look at the agreement, in 3 Other financial information.it states about the total amount of credit, it doesnt seem to me that this is right, the card was taken out in Jan 07 and the credit limit now is £9,500 Any advice on this is much appreciated.Thanks

Thanks underdog13,is there anyway I can find out if they have securitised this card.

Thanks everyone for your replies, when I firstsaw this I thought it was unenforcable, but then saw the back, if it is the back of it,there is nothing about default charges, but they would be inT&C,which I havent seen i did write back to them saying that what they sent wasnt sufficent, waiting for their reply. am I right in thinking that they need to have the original signed agreement, if this goes to court, and if they produced a copy of the agreement,it would be thrown out. Thanks everyone for all your advice.

Hi Slick, Thanks for that, have sent that letter to Barclays, went through my statements,and the charges amount to £1066, how do I claim them back?? thanks for all your help.

Hi slick, Thanks for that, today i recieved the replies to the cca requests, which was just t&c think i will wait and see if i get reply to sar then decide what to do next.

Hi slick I sent off cca request in Jan, sar request 2 weeks ago, have heard nothing, in total we have 5 cards with barclaycard, not sure how we got so many but have had them all well over 15 years except 1 that was changed last year from morgan stanley. I very much doubt if they have any of the orginal paperwork on these. so if i do hear from them they would only send t&c, would i then wait till they pass debt over to a DCA, and then send them a cca request. thanks for your help have just read about CPR 31, it seems so complicated if i did that it would assume i would take it to court, if they havent got any agreements anyway what would be the benefit ,could they still sell the debt on, and if so I would still have to deal with a DCA. I'm confussed.

Hi need some advice please Sent cca request to barclaycard at end of Jan, still no reply, have sent reminders, have got untll 27/03 to reply. 2 weeks ago sent off sar to barclays,address in london, as have current account & personal loan, as well as the creditcards, they sent back a lot of computer print outs, which will take me ages to go through but nothing regarding the credit cards, no agreements,nothing signed. but on the loan,the computer print out states that the account was closed last oct, and the amount transfered to another account, no details of this account,so dont know how much is outstanding,are they allowed to do this as we know nothing of it. we are still paying the loan, how can i find out if they have the agreement for the orginal loan, the orginal loan was signed for in a car park!! and was taken out in 2006. thanks fo any advise.

Hi need some advice please Sent cca request to barclaycard at end of Jan, still no reply, have sent reminders, have got untll 27/03 to reply. 2 weeks ago sent off sar to barclays,address in london, as have current account & personal loan, as well as the creditcards, they sent back a lot of computer print outs, which will take me ages to go through but nothing regarding the credit cards, no agreements,nothing signed. but on the loan,the computer print out states that the account was closed last oct, and the amount transfered to another account, no details of this account,so dont know how much is outstanding,are they allowed to do this as we know nothing of it. we are still paying the loan, how can i find out if they have the agreement for the orginal loan, the orginal loan was signed for in a car park!! and was taken out in 2006. thanks fo any advise.

Hi I have got exactly the same back, also wondering what to do next.

They have sent me the same as sent to mercman1969 which i have just seen, thing is if i send a SAR letter, i dont think I will get anything else back to what they have already sent.

Hi, hope someone can advise me, Sent cca request to cap 1, (had this card since 1996) they replied with a copy of an agreement, not signed and not the original (had default charges at £12) and a copy of their t & c. I sent another letter saying that the account was now in default as they had failed to send a true copy etc. They have now replied saying that they have complied with section 78 they can confirm that my credit agreement complies with cc act 1974 and is in the correct format, and if I was to comence proceeding against them they would strongly defend . Not sure what to do now, need help please.