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    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
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Lunar Jim vs Barclaycard


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My wife and I have three Barclaycards between us. One was taken out over 15 years ago. The other two previously belonged to Goldfish, and belonged to Morgan Stanley before that.

 

I've just CCA's them today. What are the chances of them actually holding a valid agreement?

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You might not get any sort of sensible response from Barclaycard - they seem to be sending out copies of T & C's lately in response to CCA requests.

 

Give them the 12+2 days and see what happens.

 

Have a look at the following thread which has useful advice if Barclaycard don't cough up the agreements.

 

why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement - The Consumer Forums

 

Wils

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Hi Jim,

 

As Wilma says, see how they respond but it'll be a set of T&C's and not a credit agree't they reply with.

 

When you start to d/w the individual cases, please use a separate thread for each so they don't get confused.

 

:)

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Hi Jim,

 

Just seen your useful comments about CCCS and withholding pay'ts where no credit agreement has been produced (on TryingToGetBy's thread).

 

Can you please keep us updated on this situation.

 

In the past, we've seen CCCS refuse to withhold pay'ts to Creditors, saying it's unfair and threatening that you play it their way, or go it alone.

 

:)

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No problem at all. History on it is that the first one (to Robinson Way) was put on hold on 12th December and yeah, CCCS gave me a bit of a grilling as to why I wanted to do it.

 

The second two, which I did today for Cap1, the guy I spoke to was really good. I told him I already had one on hold, needed two more putting on hold due to being in dispute, and that I was about to write to my remaining creditors requesting CCA. He said 'no problem', immediately put the Cap1 payments on hold, discussed a few things with me around corresponding with creditors and DCA's (e.g. adding 'cc Trading Standards' to my correspondance), and even went as far as sending me a letter template for requesting CCA (similar style to what we see on here, bit less wordy maybe lol).

 

I don't know whether this is a new CCCS thing, or whether he was a clued up employee offering his own advice, or maybe experience? Maybe CCCS are getting more calls about this sort of thing? I guess I'll find out next time I call CCCS to put a payment on hold lol.

 

Also, the payments to RW really are *not* being sent; my two latest statements from CCCS show 'Payment This Month' and 'Payments To Date' to RW as £0.00

 

But yeah, I'll post my experiences with this on the forum, hopefully others will find it useful.

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Hi Noomill! No sign on PPI on the statements as far as I can see, though I was already on a DMP when the balance transferred to BC so I guess they wouldn't have added it on? Not sure about MS though, I guess I'd have to SAR them to find out.

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  • 2 weeks later...

I sent the 'account in dispute' letters yesterday, and spoke to the CCCS. The lady who took the call actioned the request but was obliged to tell me that withholding payments could potentially make my situation with Barclaycard worse. I told her not to worry, and that I knew what I was doing :D

 

So that's my Egg and Barclaycard payments on hold for now. Unfortunately I've just taken by Cap 1 payments off hold; the CCA they sent me was pretty dubious but fit the bill under the terms of the Act; it had the prescribed terms but my personal details and signature were ommited as permitted. Personally, and 'off the record' I believe it to not be my agreement, but I've submitted an SAR to get hold of everything they have, so we'll see what turns up. I've decided to pake payments to them while the time for the SAR ticks away.

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CCCS update:

 

I got a call from a supervisor type the day after I put the payments on hold. Apparantly I wasn't allowed to use the hold system for this reason (account in dispute). I think they noticed because I put several payments on hold in one go.

 

Basically they said they would take the payments off hold and pay my creditors, as a debt is a debt. My protestations were in vain; my only other option was to come off the DMP.

 

I told her that I needed to consider my position with regards the DMP. Today I cancelled it, having decided to go it alone...

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Thats a shame, but not unexpected.

 

Get ready for the stuff to hit the fan when your creditors see you're no longer with CCCS. ;)

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The brown stuff will probably invade the airconditioning when the first round of payments are missed! Most of my creditors are already in default of CCA requests, the exceptions being the Student Loans Company (make that Thesis now, I just had their letter a couple of days back) and Cap One, who I SAR'd (they sent me a technically valid CCA, but it definately wasn't the one I signed).

 

Not to worry; plenty of advice on here. I just wonder whether they will actually notice I'm not with the CCCS any more? Payments from CCCS are in a bulk, and the only people who have hassled me over getting updated DMP budgets are the Student Loans Company who I'll still be paying.

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Page 1 is definately not enforceable of course. Are the prescribed terms on page 2 correct, please? The bit about credit limit does not appear to be as prescribed, but I'm not sure about the rest? Also, I can't be sure page 2 is the reverse of page 1.

 

Here is the letter which accompanied the CCA:

 

BarclaycardResponsetoCCA5055page1-2.jpg

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The prescribed terms are correct. However, like you have stated, these terms must be on the reverse of the first page. I can't see anything on the first page that relates to the T&C's being overleaf. Not sure I'm afraid.

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