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womble005

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About womble005

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  1. PS: Brigadier, yes, I made both a CCA request and an SAR. Perhaps they're just confusing themselves, as well as me! They sent me an entirely illegible set of T's&C's, and I wrote back to them (and Lowell) with words to the effect of 'this is completely illegible'. Lowell came back with a load of claptrap about having fulfilled their obligations under section 77-78 of the Consumer Credit Act - which I, in turn, responded to with a letter saying 'No, you haven't'. I'm just copying Lowell with everything I send to Barclaycard.
  2. Plus, my SAR letter was delivered to Barclaycard on the 4th June - so, including today, they're 78 days OVER the 40 day time limit in which to comply. Surely that warrants a complaint to the Information Commissioner's Office?
  3. I don't understand, though. I sent an SAR, so why are they responding as though they can't find my account, despite the fact I've given them all the personal info they need? (PS: when I say "my", I'm referring to my husband, who is the one Barclaycard are chasing. It's just easier to refer to it as 'me'!
  4. Hi all, So, the matter rolls on… and on. To recap, on the 3rd June, an SAR was sent to Barclaycard, which they denied having received. We provided evidence of the SAR having been delivered 'signed for' by the Royal Mail. To date, no documentation pursuant to the SAR has been forthcoming. A complaint was made to the Financial Ombudsman on the 17th May on the basis of the unacceptable length of time it was taking Barclaycard to provide the required documentation. Barclaycard wrote to us on the 4th August in connection with the Financial Ombudsman complaint to say the Ombu
  5. PS: Lowells letter also states that Barclaycard have said they never received the SAR. Funny that, seeing as how I have proof of delivery from the Royal Mail website - signed for the day after I posted it. Therefore, Barclaycard are LYING by saying they never received the SAR - surely that's worth a complaint to the Ombudsman alone?
  6. UPDATE: we have received a letter from Lowells stating that they do not have to provide an exact copy of the signed CCA, and are permitted to send a reconstituted copy of the agreement - which they have enclosed, although it is no more legible than the previous version. They are stating that they believe the balance to be valid and due. They further state that, because my husband made a payment via 'Scotcall' (one payment in Jan and Feb 2013), that this is an admission of liability. My husband was experiencing severe emotional distress between December 2012 and April 2013 owing to the de
  7. Fletch, whoops, I meant to say the only letter we've received from Barclaycard was dated the 8th July. We never received the letter they refer to dated the 18th June.
  8. Hi Fletch, yes, I wrote to Lowells and Bryan Carter saying the reconstituted agreement was not legible. No response from either of them, though.
  9. UPDATE: we wrote to the Data Controller at Barclaycard on the 3rd June (now well over the 40 days time limit) with an SAR. The only thing we've received from Barclaycard is a letter dated 18th June which reads: "We are still looking into your complaint. We wrote to you on the 18th June 2014 about your complaint. I am sorry that we are not in a position to give you a final response, but wanted to reassure you that we are still looking into it. Thank you again for your patience. We are working to resolve your complaint as quickly as we can and we will be in touch again by 6th Aug
  10. UPDATE: had a letter from Lowell Group dated 4th June which reads: QUOTE "I am writing to update you on the progress of your complaint investigation. Thank you for your patience so far. In order to investigate your complaint fully, it has been necessary to gather and review relevant information about your case and this is taking longer than anticipated. I hope to have completed my investigation and be in a position to provide you with a full response as soon as possible. As it has now been eight weeks since we received your complaint, you do have a right to refer your case to
  11. Fletch70, no there isn't any mention of a timescale at all on the Fredrickson letter. OK, I'll respond to them with the suggested letter early next week. Thanks again for your help.
  12. Thanks for your message, fletch70. Do you think I should wait for the results of the SAR before sending the above?
  13. Thanks for the info, Sabre Sheep - that sounds like a good idea. However, I'm still confused. How come Barclaycard can still claim this amount is owed when no signed agreement exists?
  14. UPDATE: Have received a letter from Fredrickson International stating: QUOTE: "We note your comments regarding the agreement you were sent however, our client is only obligated to send you a true copy of the agreement, a "true copy" will therefore contain all the material provisions which would have been in the original. it is not necessary to provide you with a copy of your contract for this purpose. We therefore consider that our client has complied with its obligations under the Consumer Credit Act 1974". We confirm we have referred your request in regards to a Subject Access Requ
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