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jones2788

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Everything posted by jones2788

  1. hi had a Barclays additions account up until recently which I paid off. i want to claim for charges etc on the account, how would I go about doing it? any advice would be great thanks
  2. hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol
  3. Yes im going to get my pc sorted asap,only thing i have seen wrong atm is my home village is wrong,no signed credit agreement,how would i go about starting a claim for ppi if i was to go that way?
  4. As said at the min i have to use my phone as pc is not working as it should,i know its not a guessing game,just asking for suggestions on general enforcability until i can post the application up on here,what dictates whether or not it is enforcable as it states clearly at the top of the form its an application for a barclaycard not an agreement of t and c's that are signed?
  5. Im using my phone at the min,but pics are just the application form from barclaycard,and a letter from them saying theyv fullfilled their obligation by providing that and a photocopy of t and c's no actual cca!theyv also sent a statement of the month of default and thats it?since theres no cca with my signature on and the debts from 2004 im guessing they cant do anything?cheers
  6. Yes quite sure i did,will have to go through all the paperwork to check,they havent sent a signed credit agreement just a photocopy of t+c's
  7. Sorry to be a pain but i have just noticed that lowells only sent me my original application for the credit card signed by myself not the cca itself?does this make a dfference?cheers
  8. How do i go about claiming the ppi on this account?cheers
  9. How would it not be enforcable?
  10. Hi all just an update,waited ages and they have come back with a cca signed by me back from when i took out the card, its back from 2004 have i got any other options but to start paying?cheers
  11. Ok so roughly speaking i just have to keep the payments going now?
  12. Right ok so il have to keep paying it but they cant take me to court to get a ccj or put it back on my credit file?
  13. Ive got another question about another debt which i had with british credit trust was payin them for years for a debt and it has now gone from my credit file, suddenly about 7-8 months ago they stopped taking payments n then cabot started sending me letters and eventually mortimer and clark solicitors said they are taking me to court, i paniced and agreed to pay a little amount monthly, now since its off my credit file for the original debt if i ask cabot for a cca and then stop payments can they add it to my credit file?thanks
  14. Ok thats good to know as im getting letters every other day now il definately ignore them now thanks
  15. Hi all as my prevoius post says i defaulted in april 2010 with lowell, i requested the cca which they do not have, if i come to an agreement to pay the debt off will it be removed from my credit file 6years after the default or from the new date i 1st pay? thanks
  16. Hi all as previous i defaulted in april 2010,i know they havent got the cca but it is the only bad thing on my credit file,would the debt still go from my file after 6 Years if i come to an agreement to pay the debt off?thanks
  17. Default date is actually 29/4/2010 although i thought it was 2009 i must have been wrong
  18. Ok thanks what can i do if they dnt produce the cca?can i then get the account off my credit file?cheers
  19. Hi all looking for advice a previous credit card debt has now been passed onto lowells who sent a letter asking me to phone. I didnt phone i sent the cca letter requesting my cca with a £1 postal order. I received a reply yesterday saying my account with them has been put on hold because they are trying to get the original cca from barclaycard. This is for a credit card i took out in 2004 and was paying up until 2009 but hit hard times. i have not paid anything since then and was wondering what the next course of action is please? on my credit file it says barclaycard settled my account then lowells took it over/bought it?? any help would be much appreciated thanks ☺
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