hopefully I've posted this in the correct section. I am currently payi g a reduced figure of £1 per month to my outstanding barclaycard visa whilst they will not provide a true copy of my cca. All I have received is what appears to be an application form, however, the writing is very poor andtbere are no t&c's, no mention of apr, repayments etc. I am worried sick that things will end up in court. I have asked barclaycard to provide a true copyof my cca, but they say they do not have to? I believe what I have received is a microfilm copy. Could anyone advise on the enforceability of this? I want to continue payi g my debt off of course, but would have much lighter shoulders knowing this couldn't perhaps get to court stages?? Many thanks, Hayley

This is great news to read, and I can sense your absolute relief. Well done and best wishes for the future

Morning Conniff I'll definitely record the conversation whe he comes over - thanks

Hello all, I have received some wonderful advice on here in the debt sections for myself, but this question is for some work my mum has just had done. Basically, my mum has had her house renovated over the last year and she has recently had a plasterer company in to give a quote for coving. My mum has some coving up in a small room, where one piece has been removed to allow for some electrical work, this was the coving she pointed out to the plasterer that she wanted, and it's quite obvious its plaster coving. However, yesterday the plasterer came in and has fitted cheap polystyrene paper covered coving. To be honest, it doesn't look much different decorative wise, however, where it has been put up around her chimney, because it has been filled with decorators caulk, which cannot be sanded, the joins look really rough. With plaster coving, he would have been able to fill with plaster filler and the sanded to get a good look. The main issue is the joins where is caulked filled and how to smooth these, but also the are parts in this Coving that have dents in. I've read this type of Coving is a much cheaper option but is not hard wearing at all, andI'm concerned she has been ripped off when she did point out the coving she wanted. He seems like a decent guy and is coming to discuss with me today, but mum has paid him, and got no receipt!!! I wondered where she stood? Are we in our right to request at least the damaged and Poorly fitted ones are replaced?? Could she request the whole lot be done again in plaster coving?? Any help would be hugely appreciated. Silly mum for not getting a receipt she is a fool

Will get this letter sent off today thanks BB. The agreement was taken out in 07/2008, I have previously received an unreadable copy of the cca a year or so ago, but it clearly states page 1 of 2 at the bottom. I can't keep affording to send letter after letter, at £1.80 a time recorded it's not cheap. I'll continue with the £1 a month and see if I get a response to this letter

Hello again, just to update. Regarding the blackhorse side of things, the matter had been referred to DCA Ascent. I have had letters bouncing too and from since august, had agreed to a repayment plan to commence once cca received, and blackhorse had agreed to freeze interest for six months. Result I thought. Only since this, i have been chasing my cca and t&c's (two letters sent) but these have not been forthcoming. I have made it clear that until the cca and t&c's are received, £1 is all I can pay. T his was first requested in august, with two reminders sent since. Ascent told me back in august that they had requested these docs from their client and further letters were replied to saying they eill chase their client up. Today, i have emailed ascent to enquire once again whether these documents had been sent out and immediately my mobile rang with a withheld number which I did not answer. A voicemail was left from ascent saying that they had received instructions from their letter client not to email me or write to me anymore and if I wanted to discuss it to please ring ascent on this number. I really don't know what to do now. They won't write or email and I wont speak on phone!! No contact!! I don't feel like I've broken any arrangement as i did make it clear £1 would be paid until the documents I wanted are received, but does it sound like ascent have been sacked??? I'm worried I may have to start the whole process again with another dca. Hayley

Thanks HB

I just thought I would share my experience with tax credits office this morning. I'd claimed tax credits as a single parent for a long tome, then with my husband as a joint claim for last two years. I received a letter last year from compliance team to say they were investigating my 2009/10 award. During 2009 I received a payrise, didn't inform tax credits as it was February and thought I would just alter my renewal when it came, only my renewal came and I completely forgot and my renewal went through automatically on the lower salary. For 2009/10, i was overpaid because they assumed I was on lower pay from previous year. All got sorted in 2010 when my partner moved in and everything was updated. However, in the post on Monday I got a letter asking for repayment of £3,100. Given my current financial situation this reduced me to a shaking quivering wreck and as I opened the letter after tax credits had closed, I had all night to stress and worry. I telephoned the Payment line this morning, ended up going through a complete Income and expenditure, to be told I cannot afford to pay anything at the moment and that it would be put on hold. I have to say the guy I spoke to treated me fairly and in a really decent manner and appeared very sympathetic. He explained that they are not interested in causing hardship to anyone. I have to say to anyone out there in same boat with overpayments to just contact them and discuss things and be open and honest with them, the guy told me that legal action is only considered for people do not get in touch and ignore ignore ignore. So please don't bury your head in the sand when it comes to tax credits and get in touch with them. It really will be a big worry off your mind. Best wishes, Hayley

Thank you Kevin much appreciated

Hi there, not sure if the are any matnity pay genius' out there, but I have a question that I'll post anyway. I have been on maternity leave and am approaching the end of my 26 weeks. I worked full time during my qualifying period (which I Think is about the 15th weeks before edd). I am on a good scheme at work whereby I was paid full pay for first eight weeks, then half pay plus smp for another 18 weeks, then the option of a further 12 weeks on just smp which I plan to take. In the last eight weeks of my problematic pregnancy I had to cut my hours at work, which has resulted in my full pay and the half pay being a lot less. I accepted this, but now I am told it is the qualifying period that matters, not what I worked before I left. I really don't understand, and wondered if there is any advice out there. If the info I am to,d is correct, couldn't anyone just bump up their hours during the qualifying period. I am planning to return to work part ti e to the hours I was doing just before I left. Best wishes, Hayley

Hi Slick, thanks for responding. Perhaps I should submit a CCA too do you think? I've trawled through 6 years of statements although there never have been many charges added to the account except for last five month which I will try to claim back. the account remains open, I'm in dealings with mercers at present but b/c refusing to stop charges/interest so I'm just trying to delve a bit further. Paying £1 a month at present

Thanks for that robcag, and I'll have a read through your thread, best wishes, hayley

Yes, absolutely Bandit!! Bless you though, it's pretty decent of you and the many others on here giving their time and doing their best to help others, I can't stress how much this site has helped me in so many ways:-)

I will submit a cca request thanks Bandit

It states the current outstanding amount for the full agreement, plus interest rate applied of 29.9 apr - I owe 800 currently paying £3 a month

Thanks havinastella

Good evening, well I am spending my Saturday evening really scrutinising a SAR received from barclaycard and wonder if anyone can offer any advice on what should be included in a credit agreement. The one i have received looks more like a standard application form to me (it gives my maiden name in name and address box, my salary and bank details that's it nothing else). No payments details, no interest rate or payment dates, nothing. There is a small box that's unreadable that talks about consumer credit act. Oddly, it's signed in my married name, I was three months into my marriage at the time, but I don't understand why name wasnt changed. There is no signature from barclaycard. I'm not convinced it's an actual agreement, its more like one of those that you sometimes receive through the post with a big "offer ends October" written across top. My account was opened in 2002 but as a way forward could anyone let me know what specifics are required in a credit agreement? Many thanks, this site has been wonderful in helping me toughen up and get my financial life back on track Hayley

It's been open since 2005 it was opened automatically when I bought a dressing gown. maybe they are trying their luck now I am in difficulties and needing to pay less

Hello, I have a next directory account to which I am making lower repayments at present, next are reluctantly agreeing this on a monthly basis. However, today in the post, they have written saying that they have no signed credit agreement and have enclosed one for me to sign and return. My only question really is should I sign this and send back and what are the consequences if I don't?? Thank you for any advice offered, Hayley

I have received today my SAR documents from B/C. I can't upload the document but could I explain what my agreement looks like for any advice. It's one sheet of paper with 'Simply complete and return offer close date 31st October 2002' written across it, my name, address in address section only from when it was sent, my home humber, my bank account details, sort code, acc no, my salary, my signature at the bottom dated 9.8.2002, then a box that is completely unreadable but headed credit agreement regulated by consumer credit act 1974. Barclaycard have not signed this agreement. Not really sure where to go on this anymore or if the is anything frther I can go. Mercers have now been in touch, have refused my offer and interest and charges still being added but I have started the offered payment direct to barclaycard by SO

Hello there, again, I wonder if I could update for any advice. Still having no luck with barclaycard who have for a 4th month since I sent in hardship letter added full interest and an array of charges (late payment and over limit fees). I've wrote four times now, all of which were sent recorded and delivered and signed for except one, but with that was sent an SAR cheque for £10 which has been banked (although nothing received as yet, but they are still in the timescale) therefore they've received all four letters. I'm keeping an excellent record of everything sent and received, together with all recorded signed for delivery receipts. I've heard nothing back in response to my letters but have received what I presume are standard computer generated letters threatening a referral to dca which will incur more costs. Ive started the payment by standing order of what I offered but I really don't know what to do next with this? it seems Barclaycard are just milking every bit of cash out of the account that they can. Shall I reduce the amount to £1 or keep paying what I've offered, and just sit it out or is there anything e,else I should be doing?

Hi there I am in exactly the same boat with Next at the moment and have also received a credit agreement for signature. After agreeing lower pyments and interest freeze.I haven't signed it though, have just put it in my filing. Im interested to see what the great people on here will give as advice

hello again, I wonder if I could update and see what best way forward might be. Blackhorse have agreed to freeze interest for six months, but still no mention of charges A further letter sent asking for confirmation, I'm just awaiting copy agreement and t&c's before payments commence. Not heard from barclaycard at all, though they have received my letters, and have even banked the £10 SAR although nothing received as yet, interest/charges continue to be added monthly and the debt in mounting fast. Despite no contact I've set up standing order for the offered amount which starts 1 oct. Next have not accepted my offer, but again I have set standing order up for this amount to start 1 oct, I am writing back to them explaining this is my offer in accordance with I&E form sent in which my disposal income is distributed pro rata between my creditors. The Halifax are also ignoring me and again monthly charges in excess of £100 are being debited from my current account which is no longer in use. Again a stading order is being paid to this account for my offered amount. What I wanted to know more about is if I am referred to a DCA and ultimately to court for ccj, will it go in my favour that I have been paying something to each creditor and tbat I've been honest and open from the start of this process, there must be so many people who don't even bother dealing with their debt problems. It all just seems so pointless though paying all of my disposal I have at the momemt when all the interest and charges far exceed this sum? I was thinking one more letter to each, making it the third request, then if interest and charges are not frozen and an agreement reached, I'll cut down the appropriate payments to £1 a month - but again would this be frowned upon by a judge as looking like I've spat my dummy out because I couldn't get my own way???? I'm really unfamiliar with the court procedure and another thing because my husband is a self employed driver it's hard for us to prove his income for court purposes we only have our own record books? PS this site is amazing, I have sat for hours going through so many posts, and have learned soooo much! x

Thanks again Dx, I had completely forgot I could pay by SO rathr than DD

I've received two letters from them so have sent mine in response to those and a third letter with my budget sheet enclosed. To the address at top of their letters.