@barclaycard Barclaycard Interest Rates / Varied Terms and Condtions

[emmerson2000]

I ended up with 3 debts to Barclays bank - Premier Card / Overdraft and Select loan.I challenged Barclays on the way that they had been charging interest on my Overdraft and Select Loan. Very good news they did not challenge me back but simply sent me letters saying they would be writing them off.

 

I have written to Robinson Way who now hold the Barclays Premier Card debt asking for my terms and conditions / interest rates/ how Barclaycard applied them to my account. Barclaycard have supplied a copy of the original agreement but have said " WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED TERMS AND CONDITIONS "

 

My question is whether they can refuse to supply these details ?

 

Many thanks in advance for your kind help

[fkofilee]

It might be that they are not refusing but are unable to find them. If there were changes to the key terms, I would at least expect a copy of said terms for each subsequent revision of the agreement.

The team will be along soon. They will be better placed to advise.

[dx100uk]

So you sent a cca request to robbersway and theyve failed to comply?

[slick132]

Hi Emm,

 

Did you actually send Robinson Way a formal CCA request with the £1 fee ?

 

If you didn't, I would be inclined to send one with the fee so you are better placed to challenge the debt.

 

[emmerson2000]

No I didnt.....but they sent the copy of the signed original application anyway.

What I wanted was the copy statements and how they applied the interest to my account to which they replied with the above

" WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED TERMS AND CONDITIONS "

[dx100uk]

what do you mean by application?

an application form is NOT necessarily a compliant CCA as it mostly doesn't have all the prescribed terms present on it.

 

so why don't you scan up this return then we can stop playing guessing games..

 

read upload

one multipage PDF only please

 

if the return is rubbish [unenforceable] then I wouldn't worry about int rates and T&C's.

[emmerson2000]

here

Scan_0005.pdf

Scan_006.pdf

[dx100uk]

sorry I've had to hide that as you've not read upload properly

and merely used a pen to strike out whereby we ofcourse can see your details thru it...

 

however that's only and application form and does not meet as far as I can see many of the prescribed terms it needs to meet or to have attached to it.

did you receive extra sheets of T&C's too?

as I bet since 1998 [well we know there has been loads] of changes in T&C's and they've not Inc those either

 

IMHO that's bogroll

 

not paying the fleecers are you?

when was your last payment please?

[emmerson2000]

Thank you for your help very much appreciated. I have no other T's and C's. I made my last payment in August 2015. They then added wopping amounts of interest on and then handed to Robinson Way.

[dx100uk]

sold it to HPH2 [robbersway]

[emmerson2000]

Do you have a suggested course of action and how I respond to them please ?

[dx100uk]

You dont

They failed cca

 

Dx