Thanks again everyone. Yes I can remember paying default charges to Barclaycard for missed payments, think it was £12.00 each time. Right I will get the SAR going with BC, how would I claim the default charges back? many thanks

Thanks for your replies everyone. I last paid in October 2012 and Barclaycard defaulted it in Jan 2013 so its not SB yet. when they get back to me with the info, am I right in thinking that they need to provide a signed copy and if they do not then they can't enforce it? If that's right can anyone point me to the legislation in case I need to quote it. From what I have read on this site Robinson Way are very keen to send the debt to solicitors who in turn issue a claim. Appreciate your help. Thank you

Hi, I have asked Robinson Way for a CCA request. But can I just clarify something please. The card was a Barclaycard which defaulted, sold to MKDPP who sold to Hoist/Robinson Way. The card was taken out in August 1993. As part of the CCA should I be sent a copy of a "true signed agreement" or can they send me a reconstituted one. I am not sure which one applies to my card or if in fact they could send either. Any help would be greatly appreciated. Also, is there legislation to say which one I should receive, if so what is that legislation. Many thanks

Hi, Im new to this forum and would appreciate some advice please. MBNA sold my alleged debt to Moorgate, despite doing a SAR to MBNA about how the debt but up, they have not responded. Moorgate have been chasing me for the debt for about 1 year now and have recently appointed Arden Credit Management to pursue the debt. Moorgate have sent me some statements but the debt already existed before this and they cannot supply anymore. They have told me to contact MBNA. I have and they have not responded. I have noticed though from the statements supplied by Moorgate, that in May 2011 MBNA closed my credit card debt and transferred the balance to a new account with MBNA. As MBNA were not sending me statements I was unaware of this until recently. Is this legal? Will i be bound by the original agreement given that it appears MBNA created a new account without any knowledge to me?? Also, Moorgate have sent me a copy of the agreement I had originally with MBNA. The print is so small that I cannot read it. I do not think that all of the prescribed terms are in this agreement. Should I be supplied with a copy that is legible? Also, do Arden/Moorgate have a legal right to pursue this debt. I have no agreement with them and I have not received any Notice of Assignment from either MBNA or Moorgate/Arden. Thank you in advance