the initial request was recorded thats how i know it was received on the 19/12/08. the reminder wasnt recorded. i kept missing the post office and figured that if regular mail was sufficient for them to issue important documents it would suffice in this instance. i do have a copy of the letter [dated]. i will send the letter you recommend and see what happens. i figured it would be something like unenforceable or even that there wasnt a cca existing as it is an account from 2004. where can i get a list of the things to look for in cca's to see if they comply as i have 4 here but no way of telling if they are enforceable. also, if it turns out they have an agreement that is unenforceable what do i do then? cheers

Hi all this is my first post so bear with me if i commit any kind of faux pas. in december last year i wrote to all my credit card companies requesting a copy of my CCA. all the companies received their letters by the 19th December. 4 out of the 5 responded within the statutory time limit allowed. I have received nothing from barclaycard. once the time limit expired on the first letter i sent a second reminder. both letters were closely based on the templates provided elsewhere on this site. the 30 day period for the second letter has just expired. they have been calling non stop several times a day but have not responded in writing as requested to either of my requests. I have spoken to them 2 or 3 times but only to explain that my account is in dispute and that i am awaiting a reply to letters sent. now that they have missed the deadlines laid out in the consumer credit act what is the next step in the process? is there a further or final letter? or do i just ignore them? can they still take me to court even if they havent provided the documents requested? any help gratefully received. cheers