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About JillMelvin

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  1. Re - Dispute letter, Barclaycard are saying they have complied with S/78 can I still send that letter
  2. Thanks, I was paying the miniumum payments - last payment made was 14th July 2009 and I wrote to them s/78 on 24th July 2009 they then took a payment (offsetting they called it) out of my bank account on the 26th August 2009 (although they credited this back to my bank account but did not add it back onto the Barclaycard debt). I have not sent a letter stating that I am disputing this debit, do I need to do this? Also what should I say to Mercers - do I just keep asking them for the original paperwork that I signed??
  3. I have written to Barclaycard and requested my agreement under the S78, I received the standard reply of a copy of the Terms and Agreement. I then wrote to them requesting the agreement under CPR and got another reply about the S78 and the final paragraph of their letter stated that my reference to the CPR 'discolusre in certain limited circumstances, which do not apply here' basically telling me they weren't doing anything. I then wrote a 3rd letter (2nd letter in this threat) stating why I wanted the docs got 2 letters back one saying they had carried out their obligations under S78 and
  4. I think I understand what you are saying, but am a little unclear on the stance regarding a joint account. Should I cancel this with my husband, it is my Barclaycard - I am in the process of opening another account to enable me to cancel my current account, but should I be doing the same with the joint account?
  5. Thanks, I have started getting another account open (have decided to send the CPR letter now as this should get me the copy of the credit agreement) - thanks
  6. So is the general opinion that I should now proceed with the CPR letter in thread number 2!
  7. Can anybody help, very worried here. I sent the standard letter under section 78 of the CCA to Barclaycard on 24th July, had the standard responses of 2 seperate copies of terms and conditions. I was about to send the dispute letter but received another letter from Barclaycard stating that ' we have carried out our legal right to set off the outstanding arrears owing on your Barclaycard account against the credit balance in your Barclays account'. Can they do this, my Barclays accout is currently overdrawn so they deducted the money but refunded it the same day. I am very worried
  8. Hi Slick, thanks for your reply - I have been ill so unable to get back to you yet. I am going to send the dispute letter today at least this will help my case to stop any further interest being added. I sent my CCA request on the 24th July. However I am very worried about continuing with this as I have just received a letter from Barclaycard advising me that they have 'carried out our legal right to set off the outstanding arrears owing on your Barclaycard account against th credit balance in your Barclays account. Have you heard of this before, it is very worrying as I have my personal a
  9. Thanks for your quick reply, but that is where I am a little confused, should I now issue the dispute letter or wait until I am contacted by someone like mercers?
  10. HI can anybody help, I have been trawling through the site and seem to be getting conflicting information about the next stage in querying my account with Barclaycard. I have send the first request letter - see below Dear Sir/Madam, Re: Account Number XXXX XXXX XXXX XXXX This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with th
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