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Sussex v Barclaycard


sussex1
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Hi

 

I have been paying these at a reduced rate with interest frozen for a couple of years. I recently sent a CCA request which when they didn't respond I followed up with the account in dispute letter and stopped payments.

 

They have still not responded other than to send this letter

 

http://i297.photobucket.com/albums/mm223/sussex1/bar-2.jpg

 

As you will see no mention of CCA but they have now requested the full outstanding balance. I have not received either a default or termination notice.

 

Any view as to how I should respond?

 

Thanks in advance as always

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moved to barclaycard forum.

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Sussex,

 

Has someone sent you a further letter demanding repayment of the full balance. Can you post it up, minus your personal data.

 

Personally, I'd suggest you resume the token payments so you try and keep the "interest free" status as long as poss.

 

They will respond, not with the credit agreement but with some Terms and Conditions which they'll say complies with the CCA request.

 

In the meantime, reply to the BC letter saying you are waiting for a reply to your CCA request and enclose a copy for their information.

 

Are there any penalty charges on this a/c which you can still reclaim.

 

:-)

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Hi

 

no this is the first letter i have has since doing CCA and is asking for balance of over 4k in full.

 

I will write as suggested to confirm still witing for a response. The account is definately pre 04, there may well have been charges. I'm not sure. Is it worth sending SAR now aswell?

 

thanks

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Hi Sussex,

 

If you think there may be penalties charges on the a/c but don't have the statements to check this, send off a SAR immediately.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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