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Robbersway PAP letter - RE:barclaycard debt - Statute Barred?

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Hello

i am hoping for some advice on my situation

 

i have received letter with pre action protocol pack from robinson way regarding an old barclaycard debt which i thought was statute barred

 

i requested cca request back in 2016.

The info they sent consisted of statements and terms and conditions

 

the final statement was dated oct 2010 which is why i assumed it to be statute barred.

 

Also included was a photocopy of the original agreement signed by me in 2005 along with copies of the t and c.

 

Strangely iv also got some thing from barclaycard which i dont remember applying for.

Their letter states its a recostituted copy of the original agreement but in actual fact is a copy of the t and c and no signed copy of anything.

 

robinsayway sent the pre action letter a couple of months ago,,

i replied saying its statue barred.

They have now replied that a final payment was made to the original creditor on March 2012..

this payment is not included in any statements in the cca request they sent to me.

 

please advise.

what i should write back.

.should i ask for a statement of the final payment.

 

there is only a month and half to go until its statute barred and i am hoping to tie them with complaints until that time

 

thanx in advance

Edited by Moomoo1212

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retitled and moved to the Barclaycard forum.

 

go ring BC and ask last payment date please

 

dx


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Would calling them have any impact on statute?

 

Well i have just called barclaycard and it seems they were correct..the last payment was made on march 2012.

Any advice as what to do now?

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when did you take it out if its before apr 2007 they have to supply the original Agreement

after that they can use a re constituted with the terms at the time .

 

Also are you sure you made that payment in 2012 .

 

I would put them to strict proof as to how it was made etc .

or is it going to be a phatom payment ?

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scan up what they have sent as the paperwork return

to ONE multipage PDF please

read upload

 

I bet its the std 620000 stuff they send?


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The first four are directly from barclaycard...i know you can see my postcode but its ok..its a previous address

 

Postmn.....i dont think they need an original

CCA return .pdf

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Postmn.....i dont think they need an original

they would need to show there was an original signed one as it was prior to 2007.

but, seems they have done as you say

'...Also included was a photocopy of the original agreement signed by me in 2005 along with copies of the t and c.

unless its not in the prescribed form?


IMO

:-):rant:

 

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Hi Ford. This is all I have from them.

No original just that photocopied version

 

I don’t know what prescribed forms consists of...thats why I Posted the pics to see if more knowledgeable people can have a look to see if they are in the pesvribed form

Cheers

 

Any advice to what the reply to them should be?

Or do I not have a case?

They seem to have their paperwork in order

CCA return .pdf

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Hi Ford. This is all I have from them. No original just that photocopied version

I don’t know what prsribed forms consists of...thats why I. Posted the pics to see if more knowledgeable people can have a look to see if they are in the pesvribed form

Cheers

ok, i haven't seen your upload.

you said 'original' in your first post

as it was in 05 you say, they then wld need to show that there was a signed agreement containing all of the prescribed terms.

see what the guys say re your upload.


IMO

:-):rant:

 

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Ha ok. Took its time. I thought you guys could see them

 

Ford I did say photocopy of original..but are you saying they must show original? Im sure I read somewhere that some court case rendered that incorrect

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Had to hide your upload

Too much pers info showing

 

As I said

Its the std 6620000 stuff hoist spew out for every CCA return

Just see some of the hoist BC court claims here

Exactly the same stuff

 

They never won yet!!


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Ha ok Dx. Its an old address so its ok

 

So do they have the cca in order. Is it in the prescribed form to allow them to take me to court

 

So what do I do now... just wait out the next month or so to see if they take me to court??

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Ford I did say photocopy of original..but are you saying they must show original?

no, a copy of an original signed wld be the same thing.

it would though need to contain the prescribed terms

see dx's post


IMO

:-):rant:

 

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thanx Ford

Dx hasn’t said anything about the prescribed terms

What I get from Dx’s post is that it’s the standard things they send out and they could take me to court but they won’t win so I’m not sure if he is saying that it is NOT in the prescribed way

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thread tidied

upload re attached after proper redaction.


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did you send anything to BC to get that CCA return from them?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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To be honest.

Cant remember.

 

Was a couple of years ago.

 

Robinson threatened court action a couple of years ago.

And I sent off a cca request.

Cant remember who I sent to.

 

Why?

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Hi Moo,

 

For the sake of £1, send H Cohen a CCA request using our library template.

 

:-)


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yep was going to say that..

new CCA request time


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Well you say for the sake of a pound... the last time I did that with these idiots it caused a huge heap of trouble. The idiots added the pound to the debt. Took months of letter writing to get it sorted🤪🤪🤪🤪

 

But will do today..... but won’t they just say... you have done that once already????

 

I mean. Are the obliged to send out another cca request when they have done one already ?

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Have you already sent a CCA to H Cohen. If so, when.

 

Give dates and detail as this helps us decide your best course of action.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi slick

I definitely sent one to Robinson.

 

It was requested by me on 16/12/15.

But bcos of all the mess with the £1 fee.

They sent the info one and half years later on 26/07/17 .

 

Statements they sent didn’t include the final payment I made on March 2012 hence why I thought it was statute barred.

They still haven’t sent evidence of this payment.

But I did call barclaycard who have confirmed it.

 

A bit unsure if I sent one to Howard Cohen at the same time

Edited by Moomoo1212

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