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    • Hi mate Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only question I've got is will I be contacted by the police and will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
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Barclaycard?moorcroft No CCA or SAR


ttessof
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Hi guys

been dealing with the Moorcroft clowns ref my wifes old Barclaycard balance since January now. They have never sent a CCA as requested and Barclaycard will not/cannot supply a SAR.

I replied saying when Barclaycard come up with a SAR so we can claim charges & PPI then I might think about entertaining their demands.

The SAR was sent to them recorded post 3 months ago.

Today shes had a letter from Moorcroft saying that BC are unable to supply a CCA but the balance still remains payable. Also that the ICO confirms that she is not obliged to repay in accordance with the CC Act, it doesnt mean there was no agreement...she will continue to be reported waffle waffle

 

So....my opinion is to ignore and bin any further letters...???

 

thanks

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bin no cca nowt they can do

 

why have bc got no sar details?

 

did you chase then up.

 

is it on her cra file?

 

when was her last financial transaction and how old is the card?

 

dx

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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yep chased and said they couldnt find any with the info given...we made sure it was all addresses etc.

havent checked her CRA for it to be honest.

Not sure of last transaction....long time ago though...at least 5 years...and card taken out at least 9 years ago

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Hi Ttessof,

 

Do you have the old a/c data yourself so you can check for penalty charges and/or PPI.

 

BC will normally not supply any data older than 6 years for an a/c and you need to check, through any means you can, when there was last any movement on the a/c.

 

Collection activity will normally continue even though they haven't supplied or can't find a credit agreement.

 

They just have to supply T&C's and they'll say they've complied with a CCA Request.

 

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