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Barclaycard Debt

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Hi There,

 

Not posted for a long time, but here goes!

 

Owe Barclaycard £9000 and have sent them a CCA, they have replied with a letter sending me a copy of the agreement but not signed by me. They are saying the account is not in dispute because of any delay in providing your copy documents as section 78 (6) (b) was repelled on the 31st May 2008. It is now no longer an offence for a creditor to fail to comply with s78 (6) for more than one month.

 

What is my best plan of action now.

 

Thank you in advance for your replies.

 

Steve H

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is this the one that was sold to cabot or another one?


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Hi There, This is direct with Barclaycard. Am i right in thinking that without an agreement they cant take me to court?

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original creditors don't do court anyway

they'll sell it on .


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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Hi There,

 

Should I just stop paying them the £50 a month and let them sell to a DCA then, and then tell them they cant take me to court as they have no agreement?

 

Regards

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it not being signed does not make it unenforceable under the CCA

age however plays a part.

 

I think you might have sent a really old CCA request by the sound of it as the 30days criminal offence bit went +10yrs ago..

 

theres a lot more than that to it now, especially with reconstructed CCA that might well meet the act but not strong enough for court claims.

why don't you scan up the CCA return to one multipage PDF

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.

 

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 There, Do you mean upload what they have sent me? How do i do that?

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Read the end of my post above


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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