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    • So conniff, care to give some reputable evidence of confirmed and in any way significantly consequential voter fraud .. other than Trumps disreputable twitter feed replacement  .. that justifies the population being required to carry photo id ? especially as they dont even require you to show the voting card they send you.
    • No this was the letter that Nationwide sent me earlier in the year - the PDF is a scan of the ‘judgement letter’ or whatever you might call it, which includes: ‘evidence’ (i.e. copies of documents) correspondence between Mr Hickman and his bank, correspondence between his bank and mine - saying the chargeback is invalid   The three documents I have for the following reasons: The bill of sale was provided to me by the garage when I bought the vehicle The V5 I was sent by the DVLA The report from the Volvo specialist was given to me when I took the car to them. The reason they had them is because I provided them to the chargeback team at Nationwide when I originally raised the chargeback, I did not submit an SAR. As far as I can see I already have all the information Nationwide have relating to the chargeback, and an SAR would not yield further.   This is not an insurmountable problem, I was just saying I think it might be beyond my ability in Acrobat to keep everything as single document by substituting in more legible copies of certain page BUT I will have a go.   If not, I can annotate the original to point to the cleaner copies. I will try that later this morning  
    • Yes please. Please could you put together a file of documents as legible as possible. Those which you can't replace with legible versions, simply include the illegible ones so that we can see what you have got and what needs replacing. Then I think a complaint to nationwide about the quality of the documents they have given you. How did you get these documents? Did you send them an SAR?
    • Thanks for the reply, I think I explained in the post I made yesterday that the letter which was posted to me by Nationwide obviously consists of printed copies of scans, which I have then scanned at the highest DPI available.   I can try scanning it again but the quality of the original is so poor in places I don’t think it will make any difference.The quality of the original is already poor. There isn’t anything I can do about that, sorry.   That being said, the documents which have degraded significantly I do have originals of - so I could scan those to get clearer copies. Again this is something I did say I could do in my earlier post I think    The documents which are scanned and printed into oblivion that are probably illegible are:   The bill of sale from Netherton Car Sales The V5 The report from a Volvo Specialist   All of which I can scan and include as separate attachments. Substituting them into the document (rather than just uploading them) to keep the integrity of my document might be beyond my Adobe Acrobat skills - the redaction took me a very long time in itself. But if that is what is required I can try?   Thanks for your time, it is appreciated. 
    • I'm trying to look through the PDF which you posted above relating to the chargeback. A lot of the documents in that file are pretty well unreadable and I don't know if this is because of a poor quality original or a poor quality scan. Please can you let us know
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Is this Barclaycard CCA enforceable - anybody

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Use this Address to write to Barclays/Barclaycard. Let them Pay for your Postage. It is also their Head Office Address.


Customer Relations

Barclays Bank PLC (Also includes Goldfish Cards & Loans)

1 Churchill Place




E14 5HP


If you ever take action through the Scottish Courts, all you have to do is provide the address of a Barclays Branch in Scotland for the Court Papers to be sent to for your local Sheriff Court to have Jursidiction.


Remember that on December 1st 2009, The Scottish Court Procedure will change. From that Date, the Court will only enforce a Credit Agreement if the "Original" Signed Document is provided in the Summons or Defence.


If you want to Challenge any Agreement (Like Me), wait til that date.


Remember also, Your Agreement plus all of the terms and conditions relating to APR, Charges etc have to be on the same page as your signature for it to be valid.

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Hi DundeeLaw - Just a thought, but I would always have any correspondence of this nature sent via recorded mail to ensure that it was received. It strengthens your case overall and only costs 75 pence per letter.

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Just been reading your thread with interest. I am also going through this with Barclays having initially made a cca request last December. Been passed around to Mercers, Calder and a Scottish dca (can't remember their name off the top of my head) with threats of door step collecters and hundreds of phone calls. All went quiet around 8 weeks ago so I'm just sitting tight and waiting to see what happens next. Appears to be great news about the December 1st thing.


Will keep watching your thread to see how you get on.

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Dundeelaw - won't Barclays, being ostensibly based in England, have their contracts written under English law?


I don't know how relevant this is but it's something I often think about since i looked at the small print on my RBS credit card agreement. It clearly states that the relevant law is the Law of England and this despite them being the Royal Bank of Scotland ?


Any ideas?

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Ricyd - a while ago in my Barclaycard thread I asked about whether I would have to go to a court in England if it came to court action and I was advised by Slick who is a member of the Site Team:

"If you or the bank start court action and a defence is filed, you would seek and get a transfer of the case to your local county court. This is where the case would by run from and where any hearings would be held"


Hope this helps.

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that's fair enough, but what if you started the case in Jersey for example?


I'm sure it's straightforward enough but I wondered whether the different jurisdiction would make any difference. If it doesn't I can foresee a lot of cases heading this way following the December 1st change in procedure.

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Dundeelaw - won't Barclays, being ostensibly based in England, have their contracts written under English law?


I don't know how relevant this is but it's something I often think about since i looked at the small print on my RBS credit card agreement. It clearly states that the relevant law is the Law of England and this despite them being the Royal Bank of Scotland ?


Any ideas?



What difference does it make? We are dealing with, mainly, the CCA 1974.

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I know, but given the changes due to arrive in Scotland in December doesn't this create an interesting factor relating to the degree of proof required to complete a case? All I'm asking is if this will strengthen the consumers position and make life more difficult for the lenders (at least in Scotland) if everyone suddenly decides to start their cases here?


I wouldn't be at all surprised if buried in the detail there's a time limit, it isn't retrospective or only applies to Scottish contracts or those taken out at Scottish addresses. It would be like having different rates of VAT/Income Tax/IHT etc between the two countries.


Look at the chaos we have with the current healthcare post code lottery for prescribing drugs/prescription charges etc.


I know this government aren't exactly the best at framing legislation, but this looks like a disaster waiting to happen (unless they have decided to nudge more cases through the Scottish courts to relieve pressure on English courts?


I guess we'll need to wait and see.

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Hi Folks




Wee update on Barclaycard Charges, wrote to FOS and they have just replied with an offer of the charges from Barclaycard Credit Card.

They are going to pay full charges I asked for this now only leaves a balance of a few hundred pounds on this account which is absolutly great news to us.

Although they still haven't came up with the CCA that we requested for this account so I am in a bit of a tizzz on whether to sign up with an arrangement for the balance or let them sing for it....after all the worry they have put us through with their threats (but maybe they are not good singers though).






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