Jump to content


Facing Facts

Barclaycard Taken Out In 1999 CCA REQUEST help.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 185 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Reconstituted versions do not require signatures as per my extensive previous post.

 

As for anything else we are still waiting for you to upload a redacted copy.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Please see attached

 

To clarify:-

 

The front letter - that is addressed to me in my married name and the address is my current address.

 

The recon CCA is addressed to me in my married name ( I was not married when I took it out) the address though is where I lived when I took it out so that is correct.

 

From my limited knowledge I think the only thing wrong is my name?

BC.pdf

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

So just to clarify as this is all new to me the recon CCA should be in my maiden name not my married name? End of ......

Share this post


Link to post
Share on other sites
:rockon::rockon:

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

Share this post


Link to post
Share on other sites

already been explained

 

your call

 

but there is an error as you've spotted.


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

Share this post


Link to post
Share on other sites

I intend to pursue it the help I was asking for now is...... do I write to them and tell them it is not enforceable and why not? Or do I write but not tell them the specific reason? I have never been in such a situation before so need guidance?

Share this post


Link to post
Share on other sites

I see youve read a few other threads..

 

You never respond to a failed cca request

 

Might pay you to send an sar

As sure is eggs bc will sell this debt on to a powerless dca sometime soon


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

Share this post


Link to post
Share on other sites

I wondered about a SAR as this will force their hand to send me a copy of the original. I have read lots of other posts from all over but lots of people seem to have so many different pieces of advice it makes my head spin!

Share this post


Link to post
Share on other sites

There is no legal remit to inc agreements in an sar


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

Share this post


Link to post
Share on other sites
I intend to pursue it the help I was asking for now is...... do I write to them and tell them it is not enforceable and why not? Or do I write but not tell them the specific reason? I have never been in such a situation before so need guidance?

 

Pursue what ?

 

You have missed 3 payments ..you have defaulted.....they cant legally respond to your request and therefore remain in default and unable to enforce the agreement by way of Court.

 

So their next move is to register a default against you which will show on your files for 6 years...most probably assign it to a debt buyer who in turn may try to litigate on the debt....whilst you have the knowledge that any attempt to litigate will be fruitless as they do not have a a copy of the original agreement.

 

Moving forward you either pay what you can afford monthly...wont change the default or stop it being registered or decide to pay nothing and start it on its road to becoming statute barred eventually....unless its litigated on the meantime before 6 years and you get a successful outcome should a claim ever be raised.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I meant pursue the fact it is not enforceable.

 

I may sound thick to you asking what may appear to be silly questions but that is why I joined this forum to get help as I have no legal knowledge at all. And I want to make sure that I am indeed right in what I am doing..... the fact the have sent a recon CCA is that likely to be because they will not have the original? Some forums advise write back saying it’s not enforceable when I have read other people’s scenatios so hence my questions.

Share this post


Link to post
Share on other sites

no that's ok

 

simply put,

you've already pursued enforceability...that's what the CCA request does.

 

you have resolved that issue now, with the future outlined by andy above.

 

you don't need to do anything further, simply invites pointless letter tennis.


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

Share this post


Link to post
Share on other sites

Correct. You stop paying and let them make the next move.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Hi there! So barclaycard keep writing to me to say pay up! The reconstituted agreement is using my married name not my maiden name as when I took out the card - do I tell them this!? What is my next move?

Share this post


Link to post
Share on other sites

nothing


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

Share this post


Link to post
Share on other sites

Short and sweet thank you.... they make me feel like I should be replying

Share this post


Link to post
Share on other sites

........... which is exactly how they want you to feel !!

 

They're just trying it on to get money from you but until and unless they produce a valid credit agreement, just ignore their begging.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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 !:-)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...