Hi, I was wondering if anyone could help me. My Mum has recently sent a CCA request to Next. They have sent her what they claim to be a true copy of the CCA but you cannot read any of the contents, it is completely inelligible. We have no scanner but have taken a photo which is below. As you can see the text cannot be read at all. At the top of the "agreement" it states my Mums personal details and Next Directory account number which all appears to be in my Mum's handwriting, even the account number. It is signed by my Mum and is dated approximately when she thought the account was opened, despite the fact she has no recollection of completing this form. My question is, is she able to dispute this and ask them to provide her with a legible copy (and put the account in dispute if they do not provide one?) and if so, can anyone help in how to reply. Thanks in advance. Clare

Brilliant, thank you so much SH. I shall get that printed up tomorrow and sent off to them. Thanks again for your help. I wonder what they will come back with this time.... Clare xx

Did the stature barred letter, uncle received this yesterday... "Dear Mr C Your account is not statute barred. You've stated that your outstanding balance is statued barred because the course of action in this matter began more than six years ago. You last acknowledged this debt on 9 July 2007 through your payment of £75.06. Therefore our right to recover the outstanding balance o this account is not statute barred and we can take action through the courts to recover the outstanding balance, including all interest accrued since 17 April 2003. The toal amount due for payment is £2293.97. We recommend that you contact one of our customer advisors as soon as possible to discuss repayment arrangements." The laughable thing on this letter is that they cant even get the dates correct. The payment was made in 2008, not 2007 and they bought the debt in April 2005, not 2003. Can anyone help with what to reply? Thanking you all in advance for your help. Clare

Thank you so much, you have been extremely helpful. Clare

Thanks for merging, I couldn't find the original thread, sorry.

Do you think I should send the statute barred standard letter template? Thanks Clare

He has never made any payment - other than the payment his partner made on 9 July 2008. We asked in the letter for them to provide details of ALL payments made on the account, and there none prior to this one and certainly none between 27 June 2000 and 27 June 2006. Thanks for your reply.

Hi everyone I posted a couple weeks ago for help but I have more questions sorry. Situation as follows... My Uncle got a Barclaycard in 2000 and never made a payment on the account. In June this year, he was written to by MacKenzie Hall demanding payment of over £2k. My Uncle's partner made a £75 payment on her debit card. I have told them they should not have done this, as I presume it will not now be statute barred???? I wrote to MacKenzie Hall and copied in Cabot Financial, who they were persuing the debt for, requesting a copy of the Credit Agreement. MH replied shortly after saying they have referred the case back to Cabot and will refund the £75 payment as a goodwill gesture. I requested the credit agreement in September. He recently received a letter dated 5 November. It states: "Further to your request for information under the CCA, we are pleased to enclose with this letter all relevant information. Cabot and the orginal lender have no completed the relevent obligations under the CCA. As a result, Cabot is entitled to resume collections of the outstanding amount of £2272.34. Etc......" There is then a letter addressed to my uncle from Barclaycard (not dated) stating 'the balance of £1652.07 has been passed to Cabot and to address any correspondence to them.' My uncle never received this letter. At the top, written in pencil, I presume by a Cabot person, is "representation of letter sent on 15 April 2005". There is then a letter from Cabot, which has "representation of letter sent on 19 April 2005". This letter is a copy of a mail merge template - it is in no way personalised and actually is dated 5 November 2008, obviously the date they printed up the letter. The letter is asking for payment. Next, the Barclaycard Credit Agreement. Which is actually a ridiculously bad, unreadable copy of his Barclaycard Application. The only thing you can make out on this is his name and address and his signature and the date - 27 June 2000. On a seperate sheet is 'Barclaycard Conditions - Credit Card Agreement' which is a print of the key financial information etc and barclaycard conditions on the reverse. This sheet does not contain his name or any other personal information. I believe they are trying to provide this, along with the application, as his credit agreement. In fact, this 'conditions' sheet, actually has a footnote '08/06' - possibly it's month and year of printing? In which case it is definitely not my uncles CCA. The final sheet is a statement of the account. The first entry is April 2005, when Cabot took over the debt. There are several interest entries and also the £75 payment to MacKenzie Hall, leaving the closing balance of £2272.24. Basically, I want to know if he needs to pay this debt. Does the statute barred rule cancel because of the £75 (due to be refunded) payment? Can this 'application' and T&C's sheet actually stand for something, or should I persist on seeing his actual signed credit agreement? Is there anything we can do so that he does not need to pay this debt? If anyone can offer any advice, I would be so grateful. If you have read this far, thank you so much. Clare PS, Cabot have on a number of occassions gave him deadlines to make payment by otherwise court action would pursue.... yet nothing has been done?

Thank you so much Michael.

Latest letter has arrived if anyone can help! I've added it to end of thread. Thanks.

Well I am so thankful that I ever found out about reclaiming my charges. I sent my first letter to Natwest a few weeks ago and got a reply saying they were investigating my complaint, bla bla bla and would get back to me. I heard nothing more and on Wednesday last week, I sent my final letter. Today I receive my letter from Natwest offering me just over 2k. It was ever so slightly less than my claim, as they excluded my advantage gold fees, but I have accepted. Feeling over the moon so thank you everyone!!!! Clare

Thanks so much for the advice, it is very helpfull. Will keep everyone updated with how the claim goes. Thanks Clare

I didn't even try to change the font so god knows why that happened... Have edited it now.

Hello everybody I hope someone can help. My partner has an Egg card which is constantly over its credit limit. He pays his minimum payment on time every month (he has NEVER made a late payment) yet with the ridiculous amounts of interest he is being charged, he is constantly slightly over his credit limit. We would love to pay a little extra each month to bring it down, but we are new, struggling parents. Anyway, Egg recently contacted him to discuss his account and told him they wanted to set up a long term payment plan and register a default. He told them he simply was not prepared to do this. He is paying over £30 in payment protection insurance too. He asked months ago that this be cancelled and the person he spoke to said it would. Months later he is still being charged it and now they are saying that despite the fact they never followed through with the request, it his actually his fault for not notifying them sooner that it was still being deducted and will not refund the money from the date he cancelled. So now they have really got his back up... My question is, will he be able to reclaim the over limit charges that have been deducted??? He has been deducted £20 each month from Dec 05 to Jul 06 and £16 per month from Aug 06 to present. It will at least being his balance back under his credit limit and stop them telephoning him all the time about paying more of his account.I'm sorry if this sounds really a really dumb and easy question. I'm claiming myself against NatWest but I'm still fairly new to all this. Thanks in advance Clare

Thank you so much guys... I'll keep you all updated!!! Clare

Today I received my bank statements back from NatWest. I had a quick look and the charges on my account come to over 2k. I have just downloaded the second template letter to send tomorrow but now I'm stuck. "I calculate that you have taken £2208.08 plus £XXX which you have charged me in overdraft interest for the sum which you have taken." Question - which spreadsheet do I use to calculate that interest??? I'd be really grateful if someone could help me. I am normally not easily confused by these things... but having my 10 month old daughter trying to crawl up my leg at the moment is really distracting me. Thanks Clare