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What they are sending is misleading. The letters, as mentioned, could not possibly have had that Barclaycard logo, and indeed would have been sent by Mercers, not BC. So they are not true copies.

 

I’m wondering why they sent two DNs?

 

If you made a payment in Dec 2005, that probably satisfied the DN recorded on your credit record. But that should have been removed! It’s a cock up that works in your favour, as it will drop off sooner.

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i dont understand why i have 2 dns either... i have just been looking at the reports and it says on the top "any collections data contained within this report should be regarded as being historical and does not neccessarily provide a true reflection of the current state of the account for collecting purposes. If required, a separate collections report maybe requested"... any ideas what this means and how do i request a a seprate report or should that be sent as under the SAR?

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Judging by the first DN, it appears to suggest that you had an agreement to pay the debt back at £12 per month. Did you make an arrangement with Barclaycard, for example to pay this amount, but made no payments after December 05? I bet your last payment was £12 in December 05.

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yes i did donkeyb i wrote to them explaining i was having difficulties and agreed the payments, however it wasnt making any headway with bringing the debt down so i stopped paying and yes the payment in dec 2005 was for £12.00

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  • 2 weeks later...

Hello guys... hope you all had a nice xmas and heres an update for you...recieved a letter today from hfo with a photocopy of the front page of an application form nothing else it is photocopied onto an a4 sheet and the back of the a4 is blank. i am guessing this is not the cca as there are terms and conditions.

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hiya coledog... the letter says and it is word for word.... I write to you in regards to the above debt in your name. Please see enclosed the copy application pertaining to your account with Barclaycard. As we have provided the documents you requested, please now contact you account manager on xxxxxx

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To be honest - HFO have been trying to take people to court using the application form and statements on the basis that this proves their case, BUT they have not done this to everyone and it is very important here to chase the SAR and find out who this was sold to and when, they are a long way from producing the correct documents. Below is the letter I suggest that you send back to them

 

Letter to send to HFO in response to the application form sent. Send recorded, do not signlink3.gif, edit to suit:

 

Dear xxxxx

 

Your Ref: xxxxxx

 

I do not acknowledge any debt to your company or to any company you claim to represent.

 

A legal request for a true copy of the Consumer Credit Agreement pertaining to the account you mention was sent to your offices on xx/xx/xx. To date, the only correspondence you have supplied has been an application form; devoid of terms and conditionslink3.giflink3.gif, APR, credit limit, rate of repayment and so on. Therefore until such times as you are able to supply such documention this account remains unsubstantiated, is unenforceable at law (CCA 1974 sec 127 (3)) and no payments will be forthcoming to anyone.

 

Please note that should you persist in pursuing me for an unsubstantiated debt, that your company will be reported to the relevant authorities without any further notice, including but not limited to Consumer Direct, OFT and the financial crimes branch of HM Treasury. Any court action that you may be contemplating will also be treated as unlawful and vexatious and vigourously defended on a number of grounds.

 

I trust that I have made my position abundantly clear and look forward to your written response in due course informing me whether you currently hold or have ever held a properly executed Consumer Credit Agreement (Consumer Credit Act 1974) and if not, confirmation that your files are now closed

 

Yours faithfully,

Please support CAG and they will support you.

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thankyou very much coledog.... i did send a reminder letter to barclaycard and the 40 days are now up... however because its been xmas i thought i would give them till the end of next week to produce the rest of the SAR... ty for the letter and will send to hfo on tues.... i would like to thank both you and donkeyb and others who have contributed to this thread for all your help and advice aswell as the quick responses to my posts... and would like to wish you both and all a happy new year and best wishes for 2011.

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lol ok donkeyb i presume i send the letter from earlier in this thread..... this one ou need to wait until the 40 days are up before requesting any information that is missing as quite often you will get further paperwork before the 40 day deadline is up. However once that 40 days has gone, you send a recorded delivery letter before action ,, enclose a copy of your original SAR, and give them a further 14 days to reply, if that is all they hold on you then you should request they confirm this. - there is an example of a LBA here for a SAR . - http://www.consumeractiongroup.c o.uk...ead.php?178660 if they haven't responded after the 14 days then, you can either take them to court where if successful the judge will award you compensation or you give it to the ICO (which could take months) - more useful links here - http://www.ico.gov.uk/upload/documen...e_to_court.pdf and these - http://www.consumeractiongroup.c o.uk...read.php?49571 - http://www.consumeractiongroup.c o.uk...ead.php?200771

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Yes - quite correct, you need to sending the letters threatening court action and just keep at them! Ring them particularly if you can record the calls but ask for anything they say in writing. Please don't worry as IMO you are a long way from a court.

Please support CAG and they will support you.

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