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barclaycard debt - Rob Way failed CCA - now sent generic T+Cs - help

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Hi,

I had a letter off RW last November chasing me for a B/Card CC for £1300 (opened in 2002) last payment to BC in Summer 2017.

 

I requested CCA off RW and they responded 2/1/19 with "couldn't find it and debt now unenforceable, but they would be in touch with regards to setting up a payment plan".

 

Today have received a letter off them with a copy of BC CCA,

but not signed by me,

looks very much a generic T&C? and wanting details of my Inc & Exp.

 

Can you tell me how I should proceed please.

Edited by dx100uk
spacing

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retitled and moved to BC forum.

 

I expect they've sent back their std 620000 stuff?

scan it up to one multipage PDF please

read upload


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.

 

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They need to send the original. Not a reconstituted :) Doesnt stop them trying to push their luck.


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

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Will upload tomorrow, many thanks

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Have uploaded the info received. Also, reading through what they sent me, the late payment charges are stated at £12, didn't this not start until 2006/7??

RobWay BC CCA.pdf

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attachment hidden we can see right thru the pen.

please read upload carefully again.


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

spreadsheets 

 

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Hi Swan,

 

Another CAGger has posted a spreadsheet here showing how the charges changed over time - https://www.consumeractiongroup.co.uk/forum/showthread.php?492302-Barclaycard-Charges-on-Charges-and-credit-limit-increases&p=5169602&viewfull=1#post5169602

 

Click on the CISheet v101 and it'll open an Excel Worksheet - at the foot of the Thumbnails Box.

 

:-)


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Have uploaded the info received. Also, reading through what they sent me, the late payment charges are stated at £12, didn't this not start until 2006/7??

 

In the greater scheme of things, that would be irrelevant, as they need the original signed (and fully CCA compliant) agreement if they're to enforce this.

 

You're thinking along the right lines though, as any evidence of the agreement not being a 'true' copy will further undermine their possible future claim that a reconstituted copy is good enough.

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