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About littlecbigd

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  1. Sorry - the image doesn't appear to open very large, so I wil type the EXACT phrase they have used: "Please note that we have already set out, in detail, why we are are satisfied that the documents already provided to you have discharged out obligations under the Act." (Note they have repeated the word "are" and used the word "out" instead of "our" so clearly written by an incompetent)
  2. Hi all. After my recent request to Barclaycard to provide a true copy of my agreement, all I recieved from them initially was a copy of some old and some new terms and conditions. I replied using this: Cca Request -this Is All They Sent Me!!? and requested a response by 21st November. However they have replied today with a very poorly written letter which, on the face of it, appears to immediately admit that they HAVE DISCHARGED THEIR OBLIGATION UNDER MY AGREEMENT (see circled section in letter). Although this could also appear to be a typo, please give me some advice on what to respon
  3. Thanks very much Slick, thats much appreciated. The Act isn't generally written in plain English so when so much is at stake I want to be sure I understand what I'm sending. I've got all weekend to go over the tutorial and will post the letter off on Monday when the post strike's lifted Regarding the name, - cD is fine, or cD or anything you like if it helps sort this barclaycard out !!
  4. Hi Slick, good evening. Thank you for your reply. I do have one question concering your suggested reply.I don;t flly understand the section which describes what may be ommitted from a copy of an agreement, in particular the section as follows: "Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557. The regulations state: (2) There may be omitted from any such copy- (a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use o
  5. Good evening all. Today, Barclaycard missed the formal deadline to comply with my recent CCA request for a signed true copy of my credit card agreement. Barclaycard did respond last week by way of an acknowledgement letter, a copy of some ancient terms and conditions (which may or may not be mine, I have no way of knowing; they did have "1998 terms and conditions" stamped on the reverse but that is all) and a copy of their current terms and conditions. My agreement is up to date and always has been hence I am not disputing any collections activity or charges. Please can someone advise
  6. Great, thank you for that. I'll be in touch with their response. As you suggest I will post in a new thread but if it is OK with you I'll ping you as well seen as you are being so helpful !
  7. I have used the template suggested above and sent it Special Delivery to B'Card,along with my postal order this afternoon. My final question before I await a response from them - Does the 12+2 days include weekends?? (ie, if it is posted today, 8th oct '09, what is the latest date I should expect to hear from them in regard to receiving a copy of my agreement before we ascertain the next stepsto take) ? Thanks
  8. Thank you Cerberusalert. I have not yet sent them anything so this appears to be my first step. I will amend the template to my circumstances and send it today. When you refer to unfair charges, can you explain ? As I mentioned, I have never missed a payment in all the years I have had the card, therefore, other than the standard interest on the rolling balance, I don't think I have ever incurred any other charges ? Is it worth sending a subject access request anyway ?
  9. Hello. This is my first post, although I have spent a long time reading through the forum and am very hopeful that with some help I may be entitled to have my Barclaycard balance (Circa £10k) written off due to the agreement been unenforceable. I have had the Barclaycard since circa 1996/1997 and have never, ever missed a single payment. Since inception the agreement has been upgraded to Barclaycard Gold Visa, the credit limit has steadily been increased, and my partner has been added as a joint card holder. However all of these happened pre 2006 ( I am unsure if these changes have any r
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