Barclaycard and the DCAs

[slick132]

Hi Red,

 

It's good to see you're getting support from the Regulators - all too often, they seem to be unable or unwilling to keep these DCA's in check.

 

[slick132]

Hi Red,

 

Tell the sol'rs the a/c IS in dispute and they can contact BC themselves for any info they require.

 

Tell them you will not be paying any amount to them, especially any amount which incorrectly includes s.69 Interest. Their continuing letters are being referred to TS and the FOS.

 

Tell them you will no longer deal with their tiresome letters and, if they want to take the matter to court on the basis of an application form, then that is their prerogative. You will defend any such claim, and will win.

[slick132]

Hi Red,

 

I refer to your letter of date and must reply as follows:-

 

Failure, by a creditor/owner to supply a true copy of a Consumer Credit Agreement, under sections 77-79 of the Consumer Credit Act 1974, means that they may not enforce the agreement. It would appear, therefore, that court action in this regard would fail.

 

The paperwork that you have sent me is a copy of my application form, and not a true copy of my agreement.

 

Your client, 1st Credit, are aware of the dispute about the alleged debt and should not be pursuing payment by any means until the dispute is resolved. The Financial Ombudsman Service is aware of this case following a formal complaint which I made to them.

 

The statements which you have provided are worded in such a way that as a layman, I am unable to decipher the codes and what the amounts relate to. I have not requested a copy of the ****date*** statements and wonder why they've been provided.

 

You have requested that the total amount of ***** is paid by ** November 2008. This will not be paid, and your continuing demands are being referred to the FOS.

 

You appear to have added 8% interest to the sum demanded. This cannot be done until a claim is filed at court.

 

Given the failure by Barclaycard and other to supply the documents required by a court to enforce the alleged debt, you should be aware that I will defend vigorously any court action taken against me.

 

Yours faithfully

 

A bit less wordy - what do you think.

[slick132]

Hi Red,

 

Comments noted re sol'rs letter and replying to it. The truth, however, is that they will either take you to court, or not.

 

Photobucket scares me enough, let alone firewall settings !!

[slick132]

LOL. You can have my scanner for xmas !!

 

Every time I scan something, my puter hides it so I can never find it. When I do, it's in a format that baffles me completely.

 

Still, for under £40 at Tesco's, it's not a bad buy. It'd just be nice if I could use it effectively.