me v bc-cpr reply

[izzitme101]

will do, hopefully will get it this week.

guy at fos also gave me a phone number of someone directly at barclays last week to, do you think it would be helpful to call her and ask for my loan agreement to?

[slick132]

I don't think it can do any harm, but remind them that you don't want a set of their T&C's - you want a copy of the actual credit agreement.

 

Could you also ask what department the contact is in.

 

[izzitme101]

i have a copy of the 'agreement now, will be posted up in a few, with a question or two lol

[izzitme101]

here it is, what id like to know is, what do i tell the fos, who want me to agree that this is an executed agreement?

 

[gazab41]

is most of this application blank or have you edited it to remove text ?

 

If you have not then this is complete junk also it is only an application for no Apr info or other proscribed terms from what i can see.

[izzitme101]

i edited personal info, and the zebra crossing on the middle (barcode)

[RoadToRecovery]

I'm no expert but surely that is absolute nonesense.

 

 

 

(How did you approach the FOS to get to tis stage? I have sent a detailed signed email 8 days agao and have heard nothing. Do they take a while?. tia)

[izzitme101]

did a cca request, sar, 2 cpr letters, then demanded a final response, then took it to the fos, i called and spoke to them on the phone first, they sent me their forms out and i received them two days later.

[RoadToRecovery]

ok, thanks. I am at the back of the queue with only 1 unfulfilled cca request!

 

I hope mine looks like the one you posted:-) ....gl with your case.

[slick132]

Hi Izzit,

 

what do i tell the fos, who want me to agree that this is an executed agreement?

 

All you need do is thank the FOS for their intervention which has prompted BC to send you the document, which they previously refused to do.

 

It is NOT up to the FOS to determine whether the "agreement" is enforceable or not.

 

Clearly the document supplied is not an enforceable agreement and it is now up to you to decide what to do from here. Possible reply to BC is here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/582-possible-letter-when-a-questionable-agreementapplication-is-sent Adapt to suit as required.