credit card agrement barcleycard

[noomill060]

The government decides the minimum amount of money you need to live on, in this case its £60 a week.

 

Therefore, you cant actually afford to pay them anything.

 

£5 would therefore be an excessive amount to offer and far more than a Court would expect you to pay.

[bolton69]

the account was opened online in 2007 . so if they produse the cca there will be no signatue on it, is it still legal . im confused

[bolton69]

anybody know if its legal with no sighed agrement

[bazaar]

Hi, If its that recent its possibly a valid agreement with electronic signature.

What are your intentions? Are you looking at walking away from this, (which wouldnt be advocated)? Do you want to dispute anything such as PPI or charges?

[bolton69]

can someone help me please. i have a debt with b/c , £1550. i have lost my job and can not aford the min, payment, i have ofered £12 a month , mersers and b/c have said this is to small, and wont acept it, and they have said they will go for a ccj. i am trying to avoid this, at all costs , is there any thing else i can do, or will they pass this debt on to someone else, thanks for any help

[jamanji]

Have you sent for a CCA

[themagician]

how old is the debt with them??

more info more help.

[bolton69]

how old is the debt with them??

more info more help.

i have only missed two payments

[bolton69]

Have you sent for a CCA

i got this card on the internet i have not sighed anything

[bolton69]

i am in debt to barcley card £1400. i have lost my job and cannot afort the min payment, i have offerd them £12 a month but they are refusing that, they say they will get a ccj to get there money back in full. i dont want a ccj on my records. will they go for a ccj or is this a bluff, thanks for any help, i have sent for my cca, already

[letsdothis]

Hi

 

Have you ever had any late payment charges or over limit charges on this account?

 

If so you can claim them back and BC will refund them against the balance that you owe.

 

In my case BC never got a CCJ that I know of, and I only owed them about £900 - However after asking for the charges back, it ended up that I only owed them £100 or so of which I paid and managed to settle this debt forever.

 

More information here on how to claim these charges back if it helps.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/259192-aquacard-cave.html

[PGH7447]

any ppi on the card?

[harrassed senior]

When or if, you get their response remove all identifying information and scan and post up and you will get more advise.

[Bazooka Boo]

Quite often a bluff.

 

Sharklaycard are fools if they think by getting a CCJ they will get more money out of you, because they won't!

 

I take it you have been talking to them over the phone?

 

You MUST keep everything in writing, and refuse to speak to them over the phone, all they are concerned with in their shallow petty lives is how fat their wallet is, they could not care less about you or your circumstances.

 

Make them the offer of £12 a month again, in writing, and send it recorded delivery, 2nd class if needs be, or at the very least get proof of postage, then each and every time they refuse to accept your offer, reduce it by a pound and offer it again.

 

Not only will you have written proof that you have offered reduced payments to them, but they have refused these and simply threatened you with court.

 

DO NOT send them any Income & Expenditure sheets, thats for you to know only, they have no legal authority to see your private finances, so don't be fooled by them.

If they wish to see your I&E tell them to take you to court where a judge will view your I&E and will more than likely only make you pay £1 a month.

They know this, which is why they are really brave on the phone, saying things and using big words, that they wouldn't put in writing, as they can barely spell them.

 

I assume that you know that Mercers & Sharklaycard are the same person? Just that Mercers is the collection arm of Sharklays.

 

Besides a CCJ will not get them their money back in full in one go, normally you will show the judge your I&E and he will decide an amount which is affordable for you to pay back on a weekly/monthly basis, this can be as low as £1 a month, and they know this.

 

If £12 a month is all you can realistically and comfortably afford to pay them each month, then that is all you should pay them, regardless of whether they accept or not, set up a Standing Order, NOT a direct debit, to pay them this amount, or less if you decide, and they would look very very foolish if they decided to take legal action.

 

How old is the card? When did you take it out what year?

I'm thinking that as they are so greedy and playing you for a fool you should ask them to provide you with your CCA..

[Bazooka Boo]

JESUS! I must learn to abbreviate, or keep everything in a nutshell..

[jamanji]

LoL boo, Nice one,

Boton listen to the above cagers, thet know there stuff, having a wee war with BC, but there not getting a pennt untill they send me all the unlawfull ppi, late charges, unlawful cgarges and an apology for taking the **** out me,

I also had a doorstep visit from them two weeks ago, and just refused to answer the date of birth , so they could not proceed with further questions, after i told them to F... O.. and they were not getting a penny untill i got my money

canny write anymore boo, you win , av got finger cramp already LoL

[harrassed senior]