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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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Barclaycard Goldfish


jamanji
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Hi All,

Requested a cca from the above and received a letter today showing my current balance and available credit, they also stated the cca would follow under seperate cover, then it goes on to say that CPR rules do not intitle them to issue the cca before proceedings start ? They also state that under no surcimstances should payment be stopped or they will inform me and issue a default and i should pay as per my terms of my credit agreement, it says that a party may apply to the court for a pre action disclosure in very limited circumstances which do not apply in this case,

They also say that there is no formal obligation for them to provide documentation to validation of debt correspondance

 

They also stste the outstanding sums is legallydue and payable

 

Is this a standard letter or jst b---l :confused:

 

Please help, what next

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they have 12+2 working day after receiving the request to fullfill their obligations, if you do not recive the documentation within this timespan, you send the 'account in disput' letter.

 

You can then legally withhold payment until such time as they comply with your request. CPR rules have no baring on a CCA request.

 

They will default if you don't pay and they will trash your credit files.

How old is this account?

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thanks alf,the account is prob before 1997 as its a old golfish card, can they still default you if you are legally withholding payment after they have broke the rules?

 

how long does it take to issue a default?

 

Many thanks alfwithhair

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barclaycards MO is a couple of letters saying you have missed payments, then they pass it to their in house collection monkeys Mercers, who will send letters every 2 days telling you the world will cave in if you do not contact them immediately anf your phone will never stop ringing.

 

After about 3 months Mercers will issue a default notice, wether it will be a compliant one is anybodies guess.

 

They will continue to houds you to death for a further 3 months before faming it out the another outfil, to start the whole process again.

 

If the account it that old there is NO chance they will have any enforceable paperwork,

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  • 4 weeks later...

As the last post got t&cs as a cca, wrote to them offering £21 per month as struggling at the moment, sent the account in dispute letter and are getting 5 phonecalls per day, i have got a truecall but they still seem to get through to the answer machine even though im blocking there numbers, how mwny numbers do they use ? so i can zap them on the machine. Can anyone give me my next move as they seem to be totally ignoring me?

How do i stop them phoning if they have not fulfilled issuing a legal document

Edited by jamanji
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hI,

 

They have various call centres around the world, they use 6 to 7 different numbers. 084530070257, 08453512270, 08453512269, 08453512268

these are just some. There is a list somewhere.

 

As the last post got t&cs as a cca, wrote to them offering £21 per month as struggling at the moment, sent the account in dispute letter and are getting 5 phonecalls per day, i have got a truecall but they still seem to get through to the answer machine even though im blocking there numbers, how mwny numbers do they use ? so i can zap them on the machine. Can anyone give me my next move as they seem to be totally ignoring me?
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Thanks rebel11.,

no have not sent a harasment letter yet, can you advise on one ? thought offering then at least a min payment and asked them and my other cards to freeze te intrest and charges, they have not complied so i am hoping they will agree to this, if they dont i was thinking of just keeping my £21 per month anyway as ive not broken the law, they are in breech, I THINK?

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In your truecall, go onto the internet control panel and turn on 'STARRED' callers only, OR, turn on the 'Code Access Only' and everyone then has to enter your access code before your phone will ring, alternatively give them a bell and ask them how it should be set up to stop them even leaving messages, they are excellent, and will be able to adjust your settings for you there and then.

 

Can you scan and post up here what they did send you? If your confident it is just T&C's then, send them the 'FAILED' letter;

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

And STOP all payments to them until such time that they do send you the correct enforceable documents you requested.

 

Ok Just read your post again and can see you have already sent the in dispute letter, have you a record of them receiving it ie, a signature for it?

 

Stop ALL payments to them now. And ring Truecall, if the above doesn't work for you.

 

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cheers boo,

Ill try that on the machine first, Jst sent the account in dispute letter yesterday, ill post the documents on here tomorow as they are at my office in a file,yip im almost sure its jst the usual bla bla bla from barclycard as it is an old account

ill try the machine in a mo and keep you posted boo

Thanks again

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I've just written to the OFT about them. I haven't received calls for the last couple of days after having 6 a day for the last six weeks, I sent in genuine complaints besides the CCA stuff, all they want to do is collect money, not resolve my complaints.

 

Have you got any late charges?

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Ill do the same , the more the better i think

Yip i will have ,also they took ppi from my account for years (im self employed), so ill need to subject accress request them to,

How are you getting on with your claim with them??

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went on the true call control panel and sorted that out boo, Thanks again m8 , thats another thing sorted, all going the right way for a change

Thanks rebel will do that to, christ i think the whole balance will be due back

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went on the true call control panel and sorted that out boo, Thanks again m8 , thats another thing sorted, all going the right way for a change

 

TrueCall really is the puppies privates!:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Got another letter yesterday from barcleycard,

Basically thay say that the t&cs are sufficiant which shows my credit limit and balance, They say when the original agreement is varied they only have to send you the current credit agreement as this contains the terms of the regulated agreement

They did not send me any signed document , or anything showing intrest from the time the card was taken out

It goes on to say the money is legally due and they will proceed with the collection of the debt bla bla bla

Is this a normal letter? as i put the account into dispute and sent a subject access request

It contains 2 pages of Questions and answers about consumer act 1974 ect

Basicaly there saying they have provided everything they should have and they want paid

Its from customer Services

Please advise anyone

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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