highlandertom vs. Barclaycard-Cabot

[highlandertom]

Hi, not sure if this is posted in the right place?

 

I have two cc acounts in arrears, Cabot bought them both from Barclaycard, but did this whilst a payment arrangement was in place, for £5 per month with no interest , Cabot simply continued this arrangement.

I sent Cabot separate cca's with £1 postal orders, for each account, then after no response, 'account in dispute' letters , they have failed to respond or even acknowlege any of these letters? All letters sent 'signed for' and all received. Could someone help me?

Was it 'legal' for barclaycard to sell these accounts to Cabot in the first place? there had been an unbroken payment record to Barclaycard once the arrangement was put in place.

Both accounts go back to 2000/2003 ish, so unlikely that they can supply docs. so what will happen next? I will complain to Trading Standards once a month has passed, anything else I can/should do?

 

many thanks, Tom

Edited September 16, 2012 by highlandertom

[BRIGADIER2JCS]

Yes they can sell.

May be a good idea to SAR BC now.

[highlandertom]

Thanks Brig. Unsure what info I would be hoping to get from Barclaycard? Also as they did have 3 different accounts, would I be asking for 2 separate SAR's, one for each of the Cabot ones. Tom

[Gazette]

Just one SAR will suffice for both... Or all three if you want. You may find some handy charges or ppi to reclaim!

[highlandertom]

Ah, does the SAR relate to me the person, rather than a specific account? I will have no ppi to claim, being self employed I had allways refused it, but will have fees and charges. I will send off the SAR tomorrow to barclaycard, and list all three account details.

many thanks, Tom

[BRIGADIER2JCS]

Just one SAR will suffice for both... Or all three if you want. You may find some handy charges or ppi to reclaim!

 

Fine BUT you must ensure you state ALL accounts and list them.

[highlandertom]

Thanks, Brig. Will do, will report back as things occur,

 

thanks, Tom

[highlandertom]

Hi,

 

Can anyone tell me the correct address for Barclaycard's DATA CONTROLLER, to send an SAR, also for HALIFAX credit cards?

 

many thanks, Tom

[ims21]

Send SAR to the Registered Office by a trackable method so you know when they receive them

[highlandertom]

Thanks ims21, do you know what the address is?

 

thanks, Tom

[ims21]

Erm...heard of Google?

 

 

Barclaycard is a trading name of Barclays Bank PLC, registered office 1 Churchill Place, London E14 5HP

 

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.

[highlandertom]

:oops:Thanks ims21, did look at the ICO's site, but it seemed to point to clydesdale for barclaycard?

 

I'll get those off now.

 

Any chance you could take a look at my thread, and pdf attachements,

highlandertom vs. Haliax CC

 

I do not really understand what they have given me. Firstly, the application form is illegible, so will write and ask for a clear copy, but as to the reconstituted stuff?I have no idea if it complys with the act, and now it has been sold on to crabit, pardon spelling, need to work out what is what. One good thing is that they will have no right of offset now.

 

 

many thanks, Tom

[highlandertom]

Finally, a response, 2 1/2 months later?

 

[ATTACH]38790[/ATTACH]

 

Received one of these for each account (2 ) any comments?

 

Tom

[huggy41]

IMO i would stop payment until such time they prove they have a right to the money.

[highlandertom]

Thanks Huggy,

 

I stopped payments when I sent the 'in dispute' letters. So, now just waiting to see if they can dig anything out of the vaults and waiting for SAR from BC to reclaim charges.

 

Tom

[Happyhippy1959]

had the same with crapit, two Barclaycard accounts purchased, one they admit there is no CCA, the other just a reconstructed, as both are way pre 2007 told em wanted the original and they would need the original for court action.... They admit they can't under English Law enforce but you had the money hippy now pay..

More chance of me beating the bolt at the 100metres than them getting a penny. Then comes the 50% discount letter,, keep going boys, down to 2% and you might tweek the Hippies interest.. !!!!!!!!!!!

[intend]

Good luck Happy - always enjoy your posts.

 

Intend