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  1. Hi there, Looking to see if someone can give this CCA and accompanying letters a look over, I sent a CCA Request to PRA Group and got the attached back from them is it all there and legit? This is in regard to a recent agreement. Thanks in advance. Barclaycard Letter Redacted.pdf Barclaycard Base CCA Redacted.pdf Barclaycard CCA Redacted.pdf PRA Reply Redacted.pdf
  2. Hi, I am wondering if anyone can confirm whether the attached CCA request from Barclays is enforceable. I took the card out in 2011 and along with an MBNA card i stopped payments in Feb 2018 with a balance of £9104 on the BC. I contacted Step change and entered into a DMP paying £344pm to cover both cards. In Aug i sent the CCA request to Barclays and they returned the document, i thought it was legit because it had my name and address on so filed it away and did not send one to MBNA. A month after the CCA request i was informed that my debt had been sold on to PRA which
  3. Folks, Long time since I've been on the CAG. I have had a couple of issues sorted with the help of this site, and I'm very grateful for the support so far. I am now wanting to end another 2 barclaycard accounts, which has balance amounting to 15K in total. One of these (the largest) is an old morgan stanley card bought by barclaycard few years ago. The balance was built up very quickly when the account was opened (circa 2004), and I have managed minimum repayments for many many years. Those are more than £200 a month. I have certainly paid well over 20K on tha
  4. I ended up with 3 debts to Barclays bank - Premier Card / Overdraft and Select loan.I challenged Barclays on the way that they had been charging interest on my Overdraft and Select Loan. Very good news they did not challenge me back but simply sent me letters saying they would be writing them off. I have written to Robinson Way who now hold the Barclays Premier Card debt asking for my terms and conditions / interest rates/ how Barclaycard applied them to my account. Barclaycard have supplied a copy of the original agreement but have said " WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED
  5. I have a credit card debt with Barclaycard dating back to 2014 and have not made a payment or been contacted by them for at least three years. Today I received a letter stating they are making a refund of £75 being an "inconvenience payment" and asking for a contact telephone number my bank details and a signature so they can make the refund. They also state: "We are now closing your account and do not require any further payments in relation to the outstanding balance. Your account is partially settled this means although there is still an outstanding balance on your account y
  6. Hi All, I’m hoping someone can help me. Would anyone have historic purchase interest rates from 2010 to 2016 for on Barclaycard Visa preferably with start and end dates of variations. Many thanks. Ff
  7. Hi Guys, Missed a payment 3 months ago so they charged interest and the missed payment fee. Adding the fee took me over my credit limit so they added another fee for being over limit. There is no way I'm going to be able to make a full payment for ages, and a letter today says:- "You'll continue to be charged fees each time you miss a payment or go over your credit limit." Is there any kind of legal ruling regarding fees charged, because if they are going to keep adding them I don't see any point in even trying to make a payment. Thanks Andy
  8. HI I have posted on egg forum too, but as it is barclaycard who now "allegedly" own egg debts and who are now causing me headaches I will temporarily also post here until the correct forum is established on this issue - which I am sure affects many others too.... Quite simply Barclaycard just sent me - and probably 1000's of others - an email saying that they were not renewing my visa credit card. The reason is cos the combined amount of egg and visa is not to their liking. Now I am worried. I had thought I had successfully argued against e
  9. I got a letter from CapQuest last week stating I owed Barclaycard £450 odd. I thought I had paid the card off and closed my account so checked my credit report and its showing as me being in debt. To cut a long story short I paid off the balance and asked Barclaycard to close my account. I didn't put the request in writing (first mistake I know), I asked them to close the account over the phone. I then moved house and didn't hear anything else from them, not even through the mail redirect I had in place for three months. My card was due for renewal in December 2010 but by then
  10. I made a CCA request to Barclaycard but the information I received was just some terms and conditions. I took some advice and made a Subject Access Request http://i1019.photobucket.com/albums/af319/Ukmark319/BarclaycardSARrequest.jpg I got a reply today under this request and all I got was a forwarding letter (Below) and a bunch of statements going back to 2003. http://i1019.photobucket.com/albums/af319/Ukmark319/barclaycardSARreply.jpg so there is no signed agreement or anything that resembles one just pages of statements. What should I do now Many thx
  11. Thanks. Just had a telephone conversation with Debt Managers Ltd regarding Barclaycard Goldfish. Problems started on this account in sept 09 when i advised them wouldn't be able to make repayments bal was 692. Was handed to dml in may 10 bal 925. All charges & interest. Telephone conversation this morning they were able to offer settlement 500 around 46% drop. Can i pay this now. I advised them next that i didn't agree with their balance & would take the path of reclaiming the charges so as to get the balance to the original 692. They then gave m
  12. Hello fellow caggers, i'm hoping you can help my mother in law out. she has paid Aims Reclaim £250 up front to sort out her PPI claim against Barclaycard. That was 2 months ago and now they have sent her a questionnaire to be completed in PENCIL and signed in ink. She is 75 years old and very trusting and paid this money out after repeated phone calls from this company. She only told us the other day as she was short of money and had no food in the house. I know she should of done a SAR to Barclaycard and paid £10. Is there any chance she can get the £250 back from Aims or is it long gone.
  13. Have just received the attached letter from Bryan Carter Solicitors. Have been fighting Lowells and a number of other DCA's for years. None have been able to provide a signed CCA despite numerous SAR and CCA requests. Any advice on what I should do (if anything)? Thanks.
  14. Hi, Just wondering if someone could help me please, I have an account that will become stat barred in about 10 months time, Its for a Barclaycard from about 2005 In 2008 I cca"d Barclaycard and they couldn't find the agreement, so I put the account into dispute, a few months later they sold the account to one of the big debt collection agencies, The debt collection company then sent me a pay up letter etc etc, I explained account was in dispute as no cca, Not heard anything for a few years, and then last week out of blue the debt collection company sent me
  15. Hi all Just stumbled on this website when i googled Cabot.... I got into a bit of bother with my barclaycard following my divorce in 2005, Barclaycard froze the interest I owed about 3k on it... ..I started paying £20 a month, then in about 2008 they called me and talked me into paying 50 a month which i have been doing, I am now working full time, and single mum, with resnt, council tat and the cost of living gone up so much i am struggling a bit to make the payments (although i still have been) last month I got a letter saying my debt had been sold to Cabo
  16. Hi ok brief summary, I have been fighting with Bcard to get PPi refunded after cancelling the PPI cover. I didnt push too hard until they cancelled my card after then sent a final " no" letter about a year ago now. Although I guess I ll need to await SAR and full calcs I suspect this turns a £290 final balance into a £450 credit refund. Last week I received the usual letter from Allied, a DCA. Questions or confirmation I guess of first steps and end goal. i presume initial steps are to CCA Allied and SRA Barclaycard? Is the end goal to send the legal letters or do
  17. hi everyone , I was wondering if anyone could help me regarding my mums Barclaycard. she got herself into a little trouble and got quite a few charges on her account and decided not to tell any of the family. my mum has just recently pasted away and we discovered these charges while sorting through her paperwork ,i was wondering if we could claim these charges back and her ppi. any answers would be greatly welcomed as I would like to give my 70yr old mum her dignity back if I can as I think this is why she kept it to herself instead of telling my sister or me.
  18. Hi, I think it would be a good idea if anybody who has had the latest NOA from Barcalycard/Marlin could find threads easily: These are the ones i've found perhaps other can add to the list http://www.consumeractiongroup.co.uk/forum/showthread.php?211539-OH-s-second-Egg-card-Microfiche-agreement http://www.consumeractiongroup.co.uk/forum/showthread.php?382983-Marlin&p=4149652#post4149652 http://www.consumeractiongroup.co.uk/forum/showthread.php?215961-EGG-gt-gt-A-Quandry http://www.consumeractiongroup.co.uk/forum/showthread.php?382408-Credit-Card-debt-now-Sold-so-where-do-I-sta
  19. Hi Caggers, Sorry to bother you all again, but I am totally confused. I have been getting advice on another PPI claim but have started a new thread as it's a different card. Basically, I have been trying to work out the PPI on my old BC as I have a copy of all statements, and I've got into a bit of a muddle. (I can see why people use a company as this is giving me a headache.) Firstly, I am confused because I thought the charges had to be claimed for separately? Anyway here goes. Going on the instructions received regarding using the fosrunningPPI spreadsheet, I have added the
  20. Hi I have been paying off my Barclaycard for over 5 years via an agreement. I recently decided to SAR them in the hope that my charges my clear the remaining balance (£1500). I have received the SAR pack today but they have only gone back to 2004. My account was started in 1995. There are lots of charges on the statements and I know there will be more in the years that are missing. I also found out that I was paying PPI for 11 years! I didnt even know. I will be claiming that back as well but again, how do I know what I paid for the missing years? As I ha
  21. Barclaycard are changing the rules on 22 Nov. Barclaycard (Condition 1.3) may not give advance notice of a change in credit limit. Thats pretty scary!. I have one card used only for holidays. If they make changes without telling me I could easily find myself on holiday with an invalid credit card. I'm not one to beleive statements such as " Oh that will not happen to you Mr xxx." I've seen people arguing with hotel managers before and It's not pleasent being caught abroad without sufficient funds. Is it legal for Barclaycard to change the agreed cre
  22. Hi just curious,i won my claim start of the year with barclaycard,got 654 cleared my balance and got extra. One thing though,they close the account after this,same with capital one. is it standard practice for the credit card accounts to close after you claim the charges back? im not overly concerned but just curious as ive not seen it anywhere on the forums that they closed the persons account. Thanks
  23. Hi All, Discovered my Barclays Account was around £800 short .and that Its down to Barclaycard helping themselves ,yet again!!!! Its happened once before(£350 last summer) so it could have been avoided if I'd have started banking elsewhere ,but I was assured that it wouldn't happen again after B/C worked out a fair payment plan ,based on my priorty outgoings & living expenses etc... At the time I was in the early stages of recovering from pretty bad back injury and in reciept of Incapacity Benefit, when I told them this,within 2 days I got a full refund,the only sti
  24. Hi fellow caggers, I am in a very long and laborious battle with barclaycard to reclaim charges on an old credit card account. I sent my preliminary letter to barclaycard on 2nd November 2011. They responded to ask for more proof of address as the address they had on the system didnt match their records (strange, as all correspondence, including subject access request and statements were all sent to the same address) so they asked me to send a copy of my SAR request letter to them before they could look into my enquiry. I then got a response from them on 15th Decemb
  25. For some time now I have noted that Barclaycard incorrectly under quote my Barclaycard monthly statement interest rate. If I then pay the quoted monthly minimum payment as shown on my statement I find that next month my outstanding balance has actually " INCREASED ". I would have thought that this was not only a failure under Barclaycards own terms and conditions but is illegal. This underhand practice by Barclaycard must be adding millions to their bottom line when you also take into consideration the added compound interest to customers Barclaycard accounts. Any comments
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