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HFO/RUTHERFORD claimform - barclaycard

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They do not have to provide this information in respect of a Subject access request as the items requested are covered under the CCA1974.

 

You will need to ask for them via a CCA (s78) request.

 

It will cost you £1.00 and you should also ask for a statement of account for each agreement. They have 12 +2 working days to respond.

 

HTH


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

BC confirmed they do not have this information and unable to supply under any request and say contact DCA

 

The account was passed to a DCA via a group sale agreement in 06, I have done a CCA (s78) request to the DCA early 08/11, and still have not replied to request.

 

They have included a set of TCs in a court bundle, because I am unable to obtain copy from OC, I need the requested info to compare the TCs and identify if they are vaild for 04 or 05 onwards.

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If the information required is prior to the assignment to the Debt purchaser then Barclaycard is responsible for supplying the T&Cs.. I will try and find someone who can advise further.

 

I have flagged this thread for site team. Hopefully someone will be able to help.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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My understanding is that the original creditor will ALWAYS have a responsibility to provide a customer with information that relates to their account irrespective of whether it has been assigned or not. Barclays of course will say this. There are 2 options open to you 1.Ask them for a final response in writing stating that you will be making a complaint to the FOS 2.Ask them for a final response and put them on notice that you will file for a Court order to force their disclosure and will apply for costs. I took the latter route with Barclays myself and the Court ordered them to supply them to me or else provide a signed witness statement to the Court indicating that a full search had been done and that they had not been able to locate them. Barclays has the largest archive of banking documents in the world so it would be very difficult for them to say they do not hold these.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi DX

 

Yes, I received the fee back, if I recall 250/260isn but no other costs. I was expecting them to restart claim, as you said spec invoice and I had a solid defense, if they did.

 

ps, here is good one for you, many years ago cag help me win against HFO, which lead to oft,fca who contact me directly about my case. I then contact Barclycard for refund of all charges, they agreed but rather than paying me the £890.00, they gave to HFO

 

m

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too old now to resolve it

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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