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Can creditors pursue during SAR waiting period?

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I know this might be a bit of a stupid question but can a creditor issue defaults or summons etc. while you are waiting for them to supply you with the documents under a subject access request?


I originally sent a CCA request to Barclays for a Barclayloan. They sent me copies which seemed to contain all the prescribed terms but no signature. They stated they were not obliged to send me a copy with the signature. So I have now sent them a Subject Access Request so that I can get copies of everything they have on file. They have responded so far by threatening court action. Would it have been better to use the CPR route to check if they do have a signed credit agreement?


I would appreciate any advice that I can get :)



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