Link and 2012 Barclaycard CCA return - sent a recon with no tickbox only 2 sets of T&Cs

[surveysforsteph9]

Hi all,

 

I have no idea if the reconstituted agreement I have received from Link Financial is enforceable.

 

It is a £6k debt with Barclaycard.

 

Please can somebody advise me how to upload this for somebody to check if it is enforceable?

 

Thanks,

[dx100uk]

scan it up to ONE multipage PDF read upload

when did you take this card out

when did you last pay anything

[surveysforsteph9]

I have uploaded it.

 

It was a Barclaycard taken out in 2012 and I last made a DMP payment in August last year when I went from StepChange to self-managed.

It has taken Link a year to provide this documentation and they still haven't sent me a statement of all my BCard transactions and charges.

 

Thanks in advance!

Link CCA BCard_Redacted.pdf

Edited July 3, 2018 by surveysforsteph9

[dx100uk]

is the name/address the same type face at the rest of the T&C's page 7? and the same for post 15?

 

so where the signed agreement

even if online

smacks to me that they done have the page

so this is why they claim it to be a recon.

theres no need for a recon if they had the Org

 

pers i'd ignore them now

 

thread title updated

[surveysforsteph9]

Yes the name and addresses are the same type face as the rest of the page but there are two anomalies.

 

Page 7 is the address I lived at when I would have taken the credit card, page 15 is a later address of mine. Is that fishy?

 

Should it not have the date of the agreement, even if they can't provide a signature as it was online?

 

What would you advise as a response?

[dx100uk]

nope the t&c's sound ok then.

but no tickbox on line sig though page

pers i'd ignore them for now

[surveysforsteph9]

I didn't think a tick box was needed for post-2007?

 

I don't see any dates on the t&cs - how do I know that they are from when I opened the account and when the account was closed?

[dx100uk]

exactly!!

 

how can anyone prove anything

 

there should still be a tick box

as that shows you agreeing to the agreement & T&C's

and ofcourse there are no prescribed terms for you to check either

 

there are 1000's of Barclaycard threads here

get reading up.

 

dx

[surveysforsteph9]

Yep, I've had a good read up since, thank you very much for your help.

 

I will ask someone to check my other agreements too, although they look much more authentic than this barclaycard one.

[dx100uk]

pop em up

 

find the named bank forum off the top left main forum.

[surveysforsteph9]

Thank you for your help. I have more questions!

 

I know you said to ignore them but I really would like to request a refund of unfair charges and get my default date changed by Barclaycard.

 

I first missed payments in July and called them immediately but they kept adding charges until the default date of March when all other creditors defaulted me in October.

 

How would you suggest navigating this?

 

Is there a risk to requesting this if it is unenforceable?

[dx100uk]

wouldn't bother with the charges they'll only come off the balance anyway.

 

as for the default date

if you feel it is wrong

then send BC a letter stating the fact [inc proof]

giving them 14 days to correct the error

else you'll open a serious complaint with the ICO and seek financial compensation too

 

dx