Barclaycard please help

[jomorie]

Morning Brig :]

 

yeah I know that the SAR and CCA dont affect the SB clock but I'm 2 years into it now although im not trying to wriggle out of the debt having offered the £2,500.

 

I am thinking of one last letter maybe making your valid points about the £1.00 per month over 548 years, I would be willing to stick to this arrangement if they would!

 

either that or ignore completely = maybe in a year or 2 they will be offering me a discount again

 

What would happen in the event that the original credit agreement turns up??

 

Jo x

[dx100uk]

then we'll deal with it

 

sit tight

 

dx

[slick132]

What would happen in the event that the original credit agreement turns up??

 

Deal with that IF it ever happens. Speculation about the future is not always helpful.

 

[jomorie]

Thanks for all the help guys, especially during this glorious weather. I appreciate it.

 

Have decided to sit it out......... as dx said and Slick =I'll deal with it if and when.

 

thanks again - will probably be in touch soon

[jomorie]

Hi guys -as it has been 4 months since my last post I hope I find everyone well.

 

 

Something strange has occurred and I have a small question if anyone can spare a moment

 

I had to collect a recorded deliver letter today, requesting my signature.

 

Barclaycard and the dca do not have my signature, so I was wondering if it was an attempt to get it, as recorded delivery signatures can be viewed online via the royal mail tracking service.

 

The letter was a copy of my cca

 

That I requested in april 2012 and received in june 2012

 

So now I have 2

 

I was wondering why dca is sending me another copy of my cca

 

It is from 1997 and is a recon with T&C‘S, it has the correct address for 1997 but no signature

 

My question is - does my cca have to have a signature to be enforceable in court?

 

thank you for your interest and time xx

[dx100uk]

we've never seen what you got regarding the CCA

 

can you scan it up please

 

more willy waving here me thinks

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

*************************************************************

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[jomorie]

lol willy waving

 

ok i shall have a go at the uploads - please bear with me and thanks for your time, dx

[jomorie]

oh by the way the T&C's are so small that i can barely read them

[jomorie]

[ATTACH=CONFIG]47424[/ATTACH]

[jomorie]

i hope that works, had 9 pages to do = they are all the same that i received in june 2012, except the covering letter x

[theoldrouge]

Personal info showing page7

[dx100uk]

garbage!

 

i'll let slick comment further.

 

dx

[dx100uk]

as you took the agreement out in 1989

then it needs to be a copy of the one you SIGNED

 

not a recon from 2011!!

 

dx

[dx100uk]

I've unapproved the attachment so's it cant be seen

 

you need to update page 7 top to removed pers info

 

as advised

 

dx

[jomorie]

arghh you have better eyes than i do lol

 

will re- do with apologies x

[jomorie]

thanks theoldrouge

 

ok heres another go - sorry guys x

Edited November 2, 2013 by jomorie

[slick132]

That's a a poor excuse for a credit agreement. However, if court action was taken, it's always down to the judge on the day to decide re enforceability. If you research and put up the correct arguments, your chances of defending successfully will be better.

 

Where have you got with the reclaim process. If you take court action to get the chgs and int't back, BC may decide to repurchase the a/c from the DCA and set the refund against the balance.

 

If they don't they may repay you direct (once you've taken the reclaim process far enough) and you can then settle with the DCA.

 

[jomorie]

good day slick thanks for dropping by

 

charges on the account remain small at £600 and no ppi

 

I sent the reclaim letter last autumn and got this response received 9 October "they have to inform me that any charges incurred were made correctly and in accordance with our terms and conditions that customers agree to when they take out one of our credit cards. On this basis i must inform you that i cannot uphold your complaint"

 

page 5 thread 99 shows a breakdown of my case

 

i am happy to 'sit it out' as you guys advised back in the summer and deal with anything substantial when they throw it at me.

 

the unexpected cca duplicate in the post wanting my signature threw me off guard i guess

 

i shall await their next move

 

cheers for your time guys xxx

[theoldrouge]

so you took out the card in 1989,they send you a cca with your address from 1997, with "original" t&cs attached dated 09/98-just brilliant:-)

[jomorie]

morning theoldrouge

 

uhuh = yup that is correct -

 

the card was dormant though, throughout the 90's, I resurrected it for a trip to aussie in 1997 with a credit limit of £500.

 

it wasn't until i became a single mother that they started upping the limit first to £3500 then to £5000

 

could never understand how i qualified for that amount of credit working 16 hours a week

 

have a great weekend and thanks for your time x

[jomorie]

Merry Christmas to all.

Just thought I would update

debt has been sold since now with Robinson Way

by my calculations it is statue barred this spring (April).... Robinson way have contacted me...like twice - three times a year..always very polite .... but I have never responded

letter today usual ''please get in touch''.....''we can't set up a payment plan for you as unfortunately we haven't heard from you''

 

will continue to ignore as there are unlawful charges on this debt which B/C refused to acknowledge and have never produced a signed credit agreement

 

anyway I thought I would update and wish you all a merry Christmas

 

Jo xxx

[dx100uk]

same to you

 

 

dx