Thanks. Certainly a lot of very similar threads/paperwork. In your experience do you think they are likely to escalate this to court given the balance, or are they just trying to scare me as they know its not enforceable?

Thanks for noticing the personal info i missed. I missed the front page of the agreement that says about cancelling but other than that that is everything they sent me except for a bunch of statements and an income/expenditure sheet, nothing with any kind of tick box etc. And yes addresses are correct. Thanks again

Yes. I sent back the PAP form stating they hadnt supplied the correct paperwork and that pdf is what they sent back

Thanks. So just continue to ignore? Are they likely to start court proceedings anyway?

Ok I think thats worked fingers crossed. Edit: For some reason it looks like the first page has ended up at the bottom of the document PRA Barclaycard (base) PAPLOC return (1).pdf

I have received a pack from them containing a reconstituted credit agreement, no names, signatures etc just a photocopy of the wording. Some statements, the NOA, and the account T+Cs, and a budget calculator. Their letter states ' I appreciate you have requested a default notice, I have reached out to Barclaycard to request this. However this is not required to fulfil your CCA request. Once a response has been received I will be in touch to advise. I trust that these details satisfy your CCA request. We have now fulfilled our obligations under the CCA regulations' It then goes on to say the account is on hold for 30 days and if they don't hear from me by 19th May it will reopen for further contact with various threats of court action etc.

Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforceable. I then started getting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now received the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforceable. Thank you.

Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?

Quick update. I've now received a letter before action from them with a PAP form to return enclosed, still no credit agreement however. I assume just a case of following the PAP thread and returning form with no CCA as the reason?

Thank you Andy

Thanks. Unfortunately a family bereavement pretty much put life on hold since,but there you go...

Hello I had a debt with BC bought by PRA a couple of years ago. I've been paying them absolute minimum for a while after doing a load of reading on here I sent them a CCA request in December. They replied with a copy of the t+c but no credit agreement and the letter said the debt is unenforceable. I then received a few copies of statements from them a couple of weeks later and a cover letter asking me to contact them which I have ignored. I'm now getting daily phone calls from them (blocked but going to voicemail) and a letter and email saying they have passed the account to their 'litigation team' for further action if I don't contact them by the end of the month. Is this safe to continue ignoring due to the lack of a credit agreement or do I email them back reminding them that it is still unenforceable? Thanks

Thanks. Not heard anymore from either party as yet, is it just a case of ignore until something more threatening comes through or should I start hitting them with an SAR/CCA now?

Thanks No, been at the same address since I opened the account

Looking for a bit of advice please regarding a debt to JD Williams (Jacamo). I've been in a payment agreement with them for the last year or so (something they offered without being asked for). I've stuck to the plan rigidly, no missed/late payments etc. This week I recieve a text out of the blue from someone called Link financial asking me to contact them regarding my JD williams account. I assumed it was some kind of scam but checked my jacamo account only to find the balance (about £1500) had disapeared and no payment was due. I then contacted them to find out what was going on and they confirmed they have sold the debt to Link. I have had absolutley no notice of this, no warning letters, default notices, anything. Can they do this? I'm going to ignore the dca for as long as possible but would like some advice as to how I should proceed. Given that I had a temporary agreement with Jacamo which I had stuck to I thnk this is really poor of them. Thanks for any advice.