Hi, could somebody please advise whether they think the CCA above would be enforceable? Can I send the in dispute letter? Thanks.

:oops:I'm such a numpty! Thanks for spotting it and making the correction:-)

CC from 2005. The CCA as you can see from the pictures above doesn't show any signatures or places for signatures though the online CCA is a tick box / electronic signature. In the covering letter they proclaim they aren't required to provide them. Basically the main reason I posted the thread was for folk with better understanding to offer any views and comments, I'm not disrespecting your post by the way as we are both looking for the same help.

Strength in numbers it is then! Was yours for a card and as you say the contents are different,is this because of the date you had the card?

Hi, it's been a little while since I've been on here (had some great help in the Barclaycard section back last year). I recently recieved a CCA for the Egg CC started in 2005. It is all on A4 sheets, 8 of them for the CCA and the rest for the Conditions. No signatures whatsoever. Could you knowledgeable folks take a look and offer some observations please? Thanks.

Hi, just a quick update to say since my post above in April 2010, I haven't had a phonecall,letter,nothing. I dont presume to say that's the end of it..........

Thanks slick, Would it be presumptious of me to think that after 4 DCAs, BCard dont have my CCA. It just seems logical that if they did, they would have shown their hand at this stage?

Evening, 4 DCAs so far and the last one Debt Managers, have closed their file and returned it to BC. Am I likely to hear from another DCA or BCard now? Thanks.

Hi oilyrag, the figures on the Mercer DN are different to the Calder Financial "Formal Demand for Payment" and the Calder one states:- "As you have not complied with the recent Default Notice, the outstanding balance as shown above is now due in full and we demand that you pay us this ammount immediately. Your balance will continue to acrue interest at the current rate until we recieve this payment. We will no longer send statements to you." I had a letter from Debt Managers today of which I'm not sure how to take it; any thoughts guys/girls?

Thanks DD:)

Hi DD, should I send Debt Managers any other letters or sit tight and see what comes next? Thanks.

Hi Slick, I had the default notice from Mercers earlier in my thread here; http://www.consumeractiongroup.co.uk/forum/barclaycard/197756-barclycard-barclays-joint-bank-3.html This is what I just had from Debt Managers who are the 4th and latest DCA to hound me. I've already sent Debt Managers ( and the other DCAs) the account in dispute letter.

Another letter for the collection, first one from whoever these are, should I send this company the account in dispute notice and ask "unlikely I guess" if they have the CCA? :

Just the latest letter I've recieved:-

Hello Mitch, I didn't recieve any CCA with my SAR; the only bit pretaining to be a CCA from BC I had was in the beginning of the whole process and that was the usual T&Cs. I'm just about to send off a letter regarding the charges, as in the SAR the info provided was minimilistic at best (no specified transactions/dates). The SAR was a lot of computer printouts with a lot of data but more importantly didn't show day to day/month to month transactions as in the statements you get once a month for your BCard.

Thankyou slick132

Ref my recieved SAR request. slick132, could you or somebody please help me with a suitable letter to send to BC requesting data relating to each penalty charge detailing the date and amount as the only info about charges in my SAR are very minimal in that they dont itemise any dates. Thanks, catuk

Hi middenmess, I had the same letter in January, guess we're at a similar stage. Hello, I recieved a letter from Calders beginning of January, same as most folk I expect. Then a few days ago my phone started ringing; I've substituted a fake name for myself naturally. I answer the phone and the conversation went like this:- Calders: "John Jenkins?" Me: "Who?" Calders: "John?" Me: "Who's John?" Calders: "Is that John?" Me: "Who are you?" Calders: "John Jenkins?" Me: "Who's that, I dont know any John Jenkins and who are you?" Calders: "This is Calders Financial" Me: "You got the wrong number m8" Man from Calders put the phone down.

Hi Slick, I did send off for my SAR and recieved it. A lot of computer printouts:eek:! There are only a handful of charges so I'm in two minds what to do about them yet. Thanks, Cat.

Hello, I recieved a letter from Calders beginning of January, same as most folk I expect. Then a few days ago my phone started ringing; I've substituted a fake name for myself naturally. I answer the phone and the conversation went like this:- Calders: "John Jenkins?" Me: "Who?" Calders: "John?" Me: "Who's John?" Calders: "Is that John?" Me: "Who are you?" Calders: "John Jenkins?" Me: "Who's that, I dont know any John Jenkins and who are you?" Calders: "This is Calders Financial" Me: "You got the wrong number m8" Man from Calders put the phone down.

Sending Mercers and Scotcall both the bemused letter; I've looked through Barclays Contact Address thread but I'm still unsure of address to use for SAR request. Use the one on my Barclaycard statement or? Thanks cat.

Hi slick, I PM'd yopu just now, I forgot to mention, the account number Mercers have on their letter is the correct one, Scotcall have the wrong one. Thanks cat.

They're quick to pass my account around, just had this letter from Scotcall.

Thanks so much slick, One thing, I haven't sent a SAR request yet, should I be looking to do so or hold off until? I know that prior to starting the ball rolling so to speak I've had a few late payment etc charges applied to the CC account. Big thankyou,cat

Hello, just had the 1st letter from Mercers. Do I now send them the doorstop template letter with copies of the CCA letter and dispute letter that I originally sent to BC? Many thanks guys and ladies.