Barclay Bank response to Loan CCA Request

[ashee27]

I have previously asked Barclays for CCA They have sent me a copy of without a signature and said in the letter

 

In response to your recent request,

we are pleased to provide you with the copy of your credit agreement and a financial statement.

 

Section 77 and 78 of the consumer crediticon Act 1974(amended) do not require Barclays Bank

to provide you with a signed original form of the credit agreement and according with the Act

It is not the policy of Barclays Bank to provide this.

 

The date on the bottom of the unsigned agreement 2/8/2005

 

 

i have been making token payments via stepchange since 2009

 

 

i think also when going onto my noddle account today i can see that this loan is no longer at all showing on my credit file

and previously in december prior to the CCA request was showing as defaulted on the first page of my credit report

and then as satisfied in my closed accounts section so im a little confused ...

 

Any advise or suggestion for what i can do next,

 

many thanks

Edited March 11, 2015 by ashee27

[fkofilee]

Either its been sold to a DCA or its fallen off your credit file...

[ashee27]

hi thanks for your response ,

 

 

I am still making payments via step change to this if it has dropped off my credit file

and they are unable to provide an agreement

 

 

what would be the best next step to take ,

 

 

would i need to make an SAR for them to provide the agreement

 

 

or put in a complaint as they would have failed to comply with the consumer credit act.

 

 

thanks

[SabreSheep]

When was the last payment made to it?

[ashee27]

hi , it was on the 19th February 2015 via stepchange for £19.00

[renegadeimp]

If it was pre April 2007 and you did sign the app, then they know very well that they need the original. Plpeople may advise different but this is sharkleys were talking about.

[SabreSheep]

ok stil making payments. that rules out a statue baring route then

[ashee27]

what route does that leave open for me then? any advise?

[dx100uk]

has the debt ever shown a default date in the summary?

 

 

they are correct they don't 'need' to supply the signed agreement to comply

though the DCa will need itto do court mind!

 

 

I'd send an sar

prob got lots of PENALTY charges & PPI? to reclaim

hence they've sold it on?

 

 

dx

[ashee27]

Hi

the response from barclays does not give a default date

 

 

however "mentions £7538.82 being the balance owing on the account,

this figure represents the amount demanded of you on 3rd January 2009"

 

 

not sure if this is the default date

 

 

on my November 2014 credit file it shows as satisfied on 1/11/2010

but in the march 2015 credit report it is not showing at all,

 

 

i will be sending off for an SAR . THANKS

[slick132]

Hi Ashee and welcome to CAG

 

Can you say roughly what amount is owed now, after you've been making token pay'ts over the years.

 

The a/c won't be SB'd for years but the a/c should stop showing on your CRA files just after 6 years from when you stopped making the normal required payments.

 

[ashee27]

Hi slick132,

 

thanks for the Much appreciated advise ,

 

 

the account shows a balance of £7538.32

my credit file shows the same debt as being satisfied in nov 2010 and

 

 

in another section on the same credit report defaulting in dec 2014.

 

 

i stopped making the normal payments back in 2008. and the present cra report shows no existence of the debt.

 

i have requested an SAR from barclays and will be seeing if they can provide an original agreement for this debt.