Thanks, ill take a look at their thread, I cant see why they wont just give it to me, they probably havent got it (I HOPE!) To get a court order to obtain it, surely thats going to end with the account being put into Dispute? I asume that they will have to turn up at court with the papers, if they dont or cant produce it then, its quite a clean cut argument really. Is getting a court order really the only option I have to find out if they have a copy of it or not?

Hi Living Dead Guy, Im in the same boat with Barclaycard at the moment, they send me a statement and a copy of the current terms and conditions, then the second time I wrote to them they sent me another letter which you can find on my thread here: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/225859-goldfish-barclaycard-advice-please.html They have a valid point in the letter where it states that they have to send a true copy which doesnt mean a full copy of everything, basically the Consumer Credit Regulations 1983 states that if they cant find it they dont have to provide it pretty much, so what they have provided is a true copy. Anyway, have a read of my thread, you might find it helpful.

Also, ive just had a look at what the Consumer Credit Regulations 1983 secion 3.2 states as per the 2nd letter i received back and it says: (2) Where any information about financial and related particulars set out in paragraphs 5 and 6 of Schedule 3 to these Regulations cannot be exactly ascertained by the owner, estimated information based on such assumptions as the owner may reasonably make in all the circumstances of the case and an indication of the ssumptions made shall be included in documents embodying regulated consumer hire agreements. If you look at what section 5 and 6 are, they refer to signatures etc, so my understanding of this is that if they cannot find it, they dont have to give it to me. But equally, if they have not got it, there is no contract.

actually just to add to that, would I not be better trying the Civil Proceedings thing on them first before I vonultarily put my account into dispute?

Hi, Thanks for this, ill give it a week to see if anything arises from my telephone call first then ill send them something like you have stated above which seems pretty good. Im sure you are aware theres plenty of confusion on these forums etc, obviously if there is no signed CCA then theres no contract etc etc, are they legally obliged to send me the signed copy as in the letter they sent to me it appears they have worked around it by stating they can send me, well pretty much nothing if they like. Surely they have to send it to you.... right?

Hi, Ive just started a thread about my Barclaycard / Goldfish experience, if you wish to have a look, go to this thread: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/225859-goldfish-barclaycard-advice-please.html I have written to Barclaycard twice now and not got the CCA, I have posted copies of what I have sent to them and what they have sent to me so you can have a read. Any advise much appreciated.

Hi, Ive just started a thread about my Barclaycard / Goldfish experience, if you wish to have a look, go to this thread: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/225859-goldfish-barclaycard-advice-please.html I have written to Barclaycard twice now and not got the CCA, I have posted copies of what I have sent to them and what they have sent to me so you can have a read. Any advise much appreciated.

Hi, I have been looking on these forums for quite some time now about the Credit agreement letters and such like. Anyway... So I thought id give it a go with my Barclaycard which I have had for about 7 years which used to be a Goldfish card. Letter 1 (19/09/09) I sent Barclaycard a letter on the 19th Sepetember 2009 requesting my CCA as per the templates I have found on here, ive attached copies of these so you can see them. I got a response within a week for that letter, one containing my current terms and conditions and one giving me my balance and stating they have provided a copy of the executed agreement which they didnt supply. My 1st Letter to Barclaycard: 1st Letter to Barclaycard Barclaycards 1st Response A: Response A Barclaycards 1st Response B: Response B Letter 2 (07/10/09) So I wrote another letter to them asking the same again basically explaining that I have previously requested it and they wrote back to me with a 3 page letter basically saying they dont have to send it to me as they can send me parts of the agreement and pick and chose essentially. They said if I write to them again they wont reply basically unless theres a damn good reason, have a read of the letter and you will see what I mean. See letter below that I sent followed by their reply. My 2nd Letter to Barclaycard: 2nd Letter to Barclaycard Barclaycards 2nd Response: Response to 2nd Letter Telephone Call (14/10/09) Today i rang Barclaycard and spoke to someone, explained how I had written into them twice and not received the document that I asked for, and asked this person to send it to me, so me made a note explaining that I would like a copy of the document bearing my signature and he sent it down to the letters team to send it to me, i asked him if he could say if they had a copy of it or not and he didnt know. So im waiting to see what comes from this, but I doubt anything will. Please Help... I am a little puzzled as to what to do now, do I send them a letter asking for it under freedom of information or something like that, or do I go down the Civil Proceedings act and try and get it that way? I have a sneaking suspicision that they dont have it, I dont want to risk them taking it from my bank account etc. I have two business credit cards with Barclaycard, and business and personal accounts with Barclays. So I dont want to rock the boat too much. Thanks for any help