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    • I am sorry about getting your status mixed up.  I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may prefer  to alter 13 to    . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails. See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.
    • What would suffice as proof? I just emailed them back my date of birth. Should I send a copy of driving licence? 
    • Which Court have you received the claim from ? Northampton   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form.   This has been uploaded in my previous messages in the bundle of documents     Name of the Claimant ? Asset Link Capital (NO5) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to./   14/02/2020   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Not relevant as his claim was set aside, and has now been brought to the court again by the claimant       Particulars of Claim   What is the claim for – the reason they have issued the claim? Please see bundle of documents in previous thread   What is the total value of the claim? £10,734.1    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes - this is one of the grounds for getting it set aside   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ?  Apparently 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I do not recall entering into an agreement with Barclays   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  It was, but it is not anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Asset Link   Were you aware the account had been assigned – did you receive a Notice of Assignment? No - although they have provided a copy of the assignment notice in their bundle of docs for the hearing   Did you receive a Default Notice from the original creditor? I don't remember - but again a copy of a letter has been provided (see bundle on previous thread)   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No    Why did you cease payments?  2015   What was the date of your last payment? December 2015   Was there a dispute with the original creditor that remains unresolved?  I wrote to Barclaycard back in 2015 to ask them to send proof of the original agreement but they just sent me a reconstituted document which had no personal deals on relating to me   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes - step change took control and set up payments of £1 pm
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LLoyds Card agreement BEFORE 1985???


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I got almost the same letter from Barclaycard. It isn't that the debt is old but that I have had the card from before 1985. It has been run perfectly since then until this year when I hit financial trouble. So is the stat-barred letter still applicable?

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Right... the important thing is that the debt is active and has been a facility used upto fairly recent.

 

The problem is that when I made a CCA request they returned with this letter stating that because the account was opened before 1985 they do not have an obligation to provide it.

 

I'm just wondering whether this was correct? I thought in order to take enforcement action they still needed a CCA? :confused:

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I got almost the same letter from Barclaycard. It isn't that the debt is old but that I have had the card from before 1985. It has been run perfectly since then until this year when I hit financial trouble. So is the stat-barred letter still applicable?

 

Stat barred is only for debts which you have not made a payment on or acknowledged for 6 years.

 

Sounds like you are in the same situation I am in.

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'we have no obligation to provide you with a copy'..'but we are endevouring to find a copy'..'and be assured we would not have opened a credit card agreement unless we had a sight of a signed agreement' bloody hell this is the most self serving crap I have seen for a long time, we dont have a copy..we are looking for it....we definetely have a copy..unbelievable..put the account into default..if they have a signed copy they would have to produce it in court

 

does anyone from the site team know of this 'law' where they do not have to supply a signed agreement because it was done in the 1980's or is this just another example of a bank trying it on?

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Well the Consumer Credit Act is from 1974... so I would guess every credit agreement would need to be in compliance with it from 1974 onwards.

 

However, I am of the belief that if this document is so vital to their claim to financial recompense then they would have the some way of accessing it fairly quickly. Otherwise, it's just carelessness.

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Well the Consumer Credit Act is from 1974... so I would guess every credit agreement would need to be in compliance with it from 1974 onwards.

 

However, I am of the belief that if this document is so vital to their claim to financial recompense then they would have the some way of accessing it fairly quickly. Otherwise, it's just carelessness.

The parts relating to a signed agreement are part of the original 1974 act, that came into being in 1976.

 

They still need the agreement to go to court.

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S78 was brought into force on 19.5.1985. Schedule 3 of the 1974 act states that s.78 applies to an agreement made before 19.5.1985 where the agreement would have been regulated agreement if made on that day.

 

As such under regulation 9 of the copy documents regulations specifies that in the case of an agreement made before 19.5.1985 it is sufficient to supply a copy of the current terms - that acts as a true copy.

 

Obviously only for s78, not for court.

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S78 was brought into force on 19.5.1985. Schedule 3 of the 1974 act states that s.78 applies to an agreement made before 19.5.1985 where the agreement would have been regulated agreement if made on that day.

 

As such under regulation 9 of the copy documents regulations specifies that in the case of an agreement made before 19.5.1985 it is sufficient to supply a copy of the current terms - that acts as a true copy.

 

Obviously only for s78, not for court.

 

That's how I read it too... thanks for the opinion... it's appreciated.

 

:)

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The copies of docs regulation appears to me to be saying they can only send current terms & conditions if the original has been lost by accident or other cause beyond the creditors control. So if they have lost it or destroyed it deliberately then they cannot comply with your s78 request.

 

 

Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983

 

9 Copies of old agreements and security instruments where the agreement or security instrument has been lost etc

 

Any copy of an executed agreement made before 19th May 1985 or of a security instrument relating to security provided before that date which is given to the debtor, hirer or surety under any provision of the Act on or after that date may comprise an easily legible statement of the current terms of the agreement or security as the case may be insofar as they are known to the creditor or owner where, due to an accident or some other cause beyond his control, the creditor or owner does not have in his possession the executed agreement or security instrument or any copy thereof.

 

Regards

 

Cadwallader

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  • 2 years later...
Nope!

 

From what I understand they can fulfil the requirements of your CCA request by using a "reconstructed" agreement, but they cannot Enforce, ie take you to court without the original. So be careful and take CAG's advice on how to sign any communications, because you don't want a signature to suddenly appear on an old agreement, if you see what I mean :D

[sIGPIC][/sIGPIC]

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Ok... big question then...

 

Does an agreement made before 1985 have to have the prescribed terms (if they have one) to be enforceable in court?

the agreement would still have to have the prescribed terms...but the question is moot as they dont have it...so would be unable to enforce anyway

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From what I understand they can fulfil the requirements of your CCA request by using a "reconstructed" agreement, but they cannot Enforce, ie take you to court without the original. So be careful and take CAG's advice on how to sign any communications, because you don't want a signature to suddenly appear on an old agreement, if you see what I mean :D

 

Thanks caledfwlch, BC responded to my s78 request some time ago and stated 'under s78, we must supply you with a copy of your executed agreement and a statement of account which is practicable to refer. However, Regulation 9 of the 1983 Regulations mentioned above states for accounts opened before 19th May 1985 such as yours, we can send a copy of your current executed credit agreement'. They supplied four pages of conditions (not executed).

 

the agreement would still have to have the prescribed terms...but the question is moot as they dont have it...so would be unable to enforce anyway

 

BC sold the debt and the DCA is going to have a go as they have issued a claim through the bulk processing system! It could be that they are chancing their arm as I am one of a few that this has happened to in the last couple of weeks!

 

Andyorch is on the case for me and others and if anyone else has anything to add, it would be appreciated!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349319-Claim-issued-will-need-some-help-please!

 

Thanks

 

Dotty

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I am assuming the posters are advising you to defend on lack of cca plus any charges etc that will have been added to the account no doubt inflating the figure they are trying to claim....normally with dca's once you oppose the n1 they normally back down...not always..but normally..the idea of putting it through the bulk centre is they are hoping it will go through unappossed

 

as a further aside this is going to be a case of economics...if and when you oppose whether it will be economically viable for them to go further into the system which means they will have to employ solicitors, etc in order to go to court....all of which costs....even if they do go this far it leaves open the question on whether they can win?....that is normally in the hands of dj on the day....

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Ok... big question then...

 

Does an agreement made before 1985 have to have the prescribed terms (if they have one) to be enforceable in court?

 

Read here :- http://www.the-repossessed.com/judge_caddick_judgement.htm

 

Regards

 

Andy

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