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Got A Letter From Csl Saying The Credit Agreement Had Been Sent To Me On 15th September 2006. The letter was dated 11th September 2006!!!!! But Wasnt Recieved By Me Until 4th October.

 

Cca Letter Was Received By Csl On 8th September a Friday. This letter was dated on the Monday 11th september

 

Even If Csl Had Sent The Credit Agreement On 15th That Would Have Given Them Just 7 Days To Contact Barclaycard And Ask For Original Credit Agreement, Barclaycard Find The Original Credit Agreement (off Microfiche As It Was Before May 2005) Take A Copy, Forward It To Csl Who Then Put A Copy In The Post To Me.

 

Who Did Not Receive It.

 

Does Anyone Think Csl Might Not Understand What A Credit Agreement Is?:rolleyes:

 

Juli.

 

Not only do CSL not know what a credit agreement is but neither do Barclaycard. I sent a CCA s77/78 request direct to Barclaycard and got a copy of my original application form in return. needless to say I wrote back saying thanks but this isnt a copy of the signed , executed credit agreement within the terms of the CCA. Heard nothing back from them yet but their 30 days expired yesterday so officially Barclaycard are now commiting an offence.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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My Mind Is Still Working Out How A Letter Dated 11th Can Tell You What Has Happened 4 Days Before It Is Supposed To Have Happened.

 

If It Is A Date Error What Other Errors Are They Making.;)

 

 

Juli99

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Maybe Keith Jeremiah has enlisted the services of Gypsey Rose.....:p

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Gazing into my crystal ball I see that we have established that neither Barclaycard or CSL know what a credit agreement looks like and that CSL don't even know what the date is.:o

 

Why does this haphazard approach of theirs not fill me with confidence regarding the way they approach their normal day to day handling of our accounts? :?

 

To think we actually trusted these people and companies with our finances.:eek:

 

Has anyone else noticed how a letter from any of them carries a date yet it doesn't arrive for several days? Yet letters we send arrive next day. Ahh the crystal ball reveals they are using pony non-express:p

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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If only they paid peoples Salaries in 4 days before they g:rolleyes: ot them............

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks everyone for the advice from some determined and well-informed people.

 

What I want to clear up is - if I send £3 for each m/f copy, will I be able to add this to my claim later? It's only about a year's worth, so I can swallow that for now. I got the last two years' statements and m/f brush-off promptly, so if I send the request with the £48 or so, does the original 40-day limit still apply?

 

In a Barclays bank thread, I noted that, amongst my bundle of statements, were several months'-worth of m/f copies, so it can't be too hard for them to retrieve (and I got my £10 back - not from BC, though). However, each m/f copy had, down the edge, other customers' details - name, account no., payees. Evidently, they frequented some of the same places as me, though the only similarity was matching 3rd & 4th digits in all the account numbers (possibly regional). Doubtless Barclays would say that, as m/f doesn't come under the DPA, they haven't done anything wrong there!

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I Have A Joint Mortgage With My Oh, We Are Not Married And Have Different Surnames. My Barclaycard Account Number, Current Balance Etc Is Put On The Monthly Mortgage Statement From The Woolwich And Sent To Her.

 

According To Woolwich It Is What We Signed Up For When We Took Out Are Mortgage. Several Years Before Barclays Took Them Over. (Gypsy Rose Lee Again). Barclaycard Say This Could Never Happen Even Tho I Have Sent Them Evidence Of It Happening.

 

Juli99

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Recieved Today Note Attached To Copy Of Application Form Saying

 

"pls Find A Replacement Copy Of Your Credit Agreement As Originally Sent On The 15th September

 

Kind Regards

 

L O'b"

 

I Was Hoping To Be Able To Find Out When I Took This Card Out And Then Multiply My Charges By That Many Years/months. Only Thing Is I Cannot Make Out The Date. The Day And Month Are Legible But The Year Comes Out As Dots.

 

Can I Ask Is It Better For Me To Stick To My Guns Until I Get The Credit Agreement, Barclaycard Are Already In Default And Only A Couple Of Weeks Away From The Debt Becoming Unenforceable.(i Think I've Got The Wording Right). I Have Stopped Paying Them.

 

Or Should I Just Multiply The Charges I Have By The Full 6yrs And Go Forward With A Prelim Letter?

 

Anyone Any Thoughts On This?

 

Any Ideas Gratefully Recieved.

 

This Is Like Pulling Teeth. Slow And Blissfully Agonising.:p

 

Juli99

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I Have A Joint Mortgage With My Oh, We Are Not Married And Have Different Surnames. My Barclaycard Account Number, Current Balance Etc Is Put On The Monthly Mortgage Statement From The Woolwich And Sent To Her.

 

According To Woolwich It Is What We Signed Up For When We Took Out Are Mortgage. Several Years Before Barclays Took Them Over. (Gypsy Rose Lee Again). Barclaycard Say This Could Never Happen Even Tho I Have Sent Them Evidence Of It Happening.

 

Juli99

 

A story from a friennd of mine beats this

 

 

He had a credit card sent to him by Barclaycard, he and his father have the same middle inititials.

 

The card needed to be activated prior to use, yet somehow his father thought the card was his and got it activated

 

Result: friend sees bank statement from Barclays with Barclaycard balance of £300+ when he hasnt even got his hands on the card

 

They then claimed this couldnt of happened due to their 'tight security procedures'

 

!!

 

:rolleyes:

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Recieved Today Note Attached To Copy Of Application Form Saying

 

"pls Find A Replacement Copy Of Your Credit Agreement As Originally Sent On The 15th September

 

Kind Regards

 

L O'b"

 

I Was Hoping To Be Able To Find Out When I Took This Card Out And Then Multiply My Charges By That Many Years/months. Only Thing Is I Cannot Make Out The Date. The Day And Month Are Legible But The Year Comes Out As Dots.

 

Can I Ask Is It Better For Me To Stick To My Guns Until I Get The Credit Agreement, Barclaycard Are Already In Default And Only A Couple Of Weeks Away From The Debt Becoming Unenforceable.(i Think I've Got The Wording Right). I Have Stopped Paying Them.

 

Or Should I Just Multiply The Charges I Have By The Full 6yrs And Go Forward With A Prelim Letter?

 

Anyone Any Thoughts On This?

 

Any Ideas Gratefully Recieved.

 

This Is Like Pulling Teeth. Slow And Blissfully Agonising.:p

 

Juli99

 

All I got is a copy of an application form which to my mind doesnt prove an agreement.I wrote to them and told them I was stopping payments as any agreement they may have was now unenforceable. Their reply was that my SAR had been complied with , that microfiche wasnt relevant and that was their final wrod on the matter lmao.

 

Not heard a peep out of them since early October so I guess it's time to kick them again :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I have today written to my five defaulted CC companies to tell them that any agreement is unenforceable and that I consider the matter closed.

 

Now the waiting starts to see what they come back with. ;)

 

I'll share it with you all when they do reply.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I have today written to my five defaulted CC companies to tell them that any agreement is unenforceable and that I consider the matter closed.

 

Now the waiting starts to see what they come back with. ;)

 

I'll share it with you all when they do reply.

 

Pete

 

I'm planning to get the lketters written this week so November should egt very interesting :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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This is more or less a "me too" posting.

 

Sent my SAR to Barclaycrud on 4th October, letter back "microfiche bla bla".

 

Then sent CCA s77/78 request. The 12 days are up tomorrow, without even an acknowledgement. 'Nother month and I'll be in the same boat as tamadus.

 

'Twill be interesting to see how this all pans out, wont it tamadus?!

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Thought About It Over Night And Think It Is Best For Now To Let Sleeping Dogs Lie.

 

If They Start Shouting I Will Shout Back But Until Then Leaving This One In The Background For The Moment. Going To Get Ready My Prelims For 4 Others I Am After And Will Be Sending Out S.a.r.'s For 2 Old Accounts I'd Forgotten About And Found Reference To When Going Thru Boxes Of Paperwork. One's A Real Biggy

 

I Love This Site. :grin:

 

juli99

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This is more or less a "me too" posting.

 

Sent my SAR to Barclaycrud on 4th October, letter back "microfiche bla bla".

 

Then sent CCA s77/78 request. The 12 days are up tomorrow, without even an acknowledgement. 'Nother month and I'll be in the same boat as tamadus.

 

'Twill be interesting to see how this all pans out, wont it tamadus?!

 

Its definitely going ot be interesting. I haven't heard a word from them since I told them I was stopping payments as it's unenforceable, their reply was that my SAR was completed and that was their final word under the ombudsman scheme lmao.

 

If your watching :lol: Barclaycard I get the final word under the court scheme

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Thought About It Over Night And Think It Is Best For Now To Let Sleeping Dogs Lie.

 

If They Start Shouting I Will Shout Back But Until Then Leaving This One In The Background For The Moment. Going To Get Ready My Prelims For 4 Others I Am After And Will Be Sending Out S.a.r.'s For 2 Old Accounts I'd Forgotten About And Found Reference To When Going Thru Boxes Of Paperwork. One's A Real Biggy

 

I Love This Site. :grin:

 

juli99

 

Trouble with sleeping dogs is they often bite when you least expect it so I just keep nudging them to make sure they are still awake :D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Of my five defaulted CC companies three of them haven't even acknowledged my CCA request, despite having cashed the £1 cheques!

 

One of the three was chasing me quite hard until about three weeks ago and I haven't heard a peep from them since. :)

 

I'm waiting with bated breath to see how all of this pans out. :D

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Well, they have 6 years to respond, so a good hard prod every few months should keep them uncomfortably aware of your continued presence!

 

LMAO don't worry Noomill I wont let them forget about me ;-)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Of my five defaulted CC companies three of them haven't even acknowledged my CCA request, despite having cashed the £1 cheques!

 

One of the three was chasing me quite hard until about three weeks ago and I haven't heard a peep from them since. :)

 

I'm waiting with bated breath to see how all of this pans out. :D

 

Pete

 

It's amazing how quiet they have become lately :D I wonder why that is :lol:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Do You Think It Is The Quiet Before The Storm. I Can't Believe No One Rings Me Any More. I So Enjoy Winding Them Up On The Phone When They Get Themselves In A Muddle.

 

The Woman At British Gas Who Told Me Just Because I Had Sent The Money And They Had Recieved It, Did Not Mean I Had Paid It. And They Would Be Taking Court Action Against Me To Recover The Money They Had Already Recieved!!!!

 

I Am In My Elements As For Years Now I Have Had To Take This Codswallop And Been Unable To Fight Back.:D

 

JULI 99

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Do You Think It Is The Quiet Before The Storm. I Can't Believe No One Rings Me Any More. I So Enjoy Winding Them Up On The Phone When They Get Themselves In A Muddle.

 

The Woman At British Gas Who Told Me Just Because I Had Sent The Money And They Had Recieved It, Did Not Mean I Had Paid It. And They Would Be Taking Court Action Against Me To Recover The Money They Had Already Recieved!!!!

 

I Am In My Elements As For Years Now I Have Had To Take This Codswallop And Been Unable To Fight Back.:D

 

JULI 99

 

I know exactly what you mean Juli!

 

I'm in my element too. ;)

 

Peet

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Do You Think It Is The Quiet Before The Storm. I Can't Believe No One Rings Me Any More. I So Enjoy Winding Them Up On The Phone When They Get Themselves In A Muddle.

 

The Woman At British Gas Who Told Me Just Because I Had Sent The Money And They Had Recieved It, Did Not Mean I Had Paid It. And They Would Be Taking Court Action Against Me To Recover The Money They Had Already Recieved!!!!

 

I Am In My Elements As For Years Now I Have Had To Take This Codswallop And Been Unable To Fight Back.:D

 

JULI 99

 

Call me stupid if you like ;) but you sent them money which they have recieved but you haven't paid it ? so they are going to start court action for the money you sent them but havent paid them yet ?:-|

 

Am I missing something earth-shattering here ??

 

Add me to the list of elemental people :lol:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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