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shamone,

 

I have a debt with Barclay card and it went to HFO, whom I agreed to pay off installments to stop them ringing (this was before i was educated by this forum) however I never did make a payment and have received the letter below.

I am just about to CCA and SAR them, is this all i need to do at this point? I was also concerned that they have added a charge and interest?

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/scan0001-3.jpg

 

hopefuly some of you good folk will advise me as confusions familiar

Edited by sorrylittlelot
the post needed editinh, hence I becam editfull of said post

I'm worse at what I do best and for this gift I feel blessed

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send em a cca

 

I like the bit where they say you account is "hostile" whats it going to do shoot them :D

 

also send barclaycard a sar and see what charges you can claim back


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I shall do so now PGH7447 - yeah hostile made me laugh, they should see me if they wanna know hostile lol


I'm worse at what I do best and for this gift I feel blessed

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hello all, this is an exact scan (minus my personal details) of one page from my statements, there are about 10 or so pages of exactly the same "quality"

 

http://i682.photobucket.com/albums/v...t/cap1blur.jpg

 

is this enforceable, any help would be gladly accepted


I'm worse at what I do best and for this gift I feel blessed

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hello all, this is an exact scan (minus my personal details) of one page from my statements, there are about 10 or so pages of exactly the same "quality"

 

http://i682.photobucket.com/albums/v...t/cap1blur.jpg

 

is this enforceable, any help would be gladly accepted

 

I don't know about anyone else, but I'm just getting a "Page Not Found" error.

 

SH


All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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wiseguy photbucked moved it, I'll re post it, thanks


I'm worse at what I do best and for this gift I feel blessed

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Is that all they've sent you? Not even an application form?

 

They're illegible - at best. Can you give us some details of why they've sent these? Have you sent a CCA request?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I sent a CCA and that was there reply, like I say there are about 15 pages of that.

The letter from HFO said " Please find enclosed copies of the statements we have received from Barclaycard in regards to the above account. Please be advised a copy of the application will be sent to you as soon as it is received from Barclaycard.

 

We look forward to hearing from you.

 

 

If i look closely I can make out they have charged me each month.

 

Now I am no expert but I'm pretty sure a true copy means one that I can read!


I'm worse at what I do best and for this gift I feel blessed

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When did you take the (alleged) agreement out? And why would the Application Form (notice they don't say 'Agreement' nor do they refer to T&Cs) be held by Barclaycard if it's a Cap1 account?

 

The statements mean very little without an enforceable agreement.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Are you sure you have titled this thread properly? The title says Capital1 but you are quoting a letter which says Barclaycard.

 

Either way, the illegible toilet roll in the picture isn't even relevant. If you've sent a CCA request and the "application" is not forthcoming, you are entitled to withhold payment once the time limit expires.

 

If and when they do send you something, I hope it is an application, because if it is, it will not contain the prescribed terms.

 

SH


All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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Yeah I have just noticed my mistake in the title and asked a mod to change it lol, I swear I could be blonde lol.

 

The alleged debt was taken out in 2004 so I think it would be stat barred next year although I am checking I didnt make a payment to them through PAYPLAN in 2008

Edited by sorrylittlelot
.

I'm worse at what I do best and for this gift I feel blessed

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Updating title...


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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guess i'll just have to wait to see what they offer next


I'm worse at what I do best and for this gift I feel blessed

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