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PRA and barclaycard debt - recontructed CCA return shows married name etc, was not not married when signed up

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Have had replies back from Barclaycard about time accounts were opened mine was 2012 and my husband's was 2004.

 

If I CCA request the 2004 Barclaycard and they do not respond in 12 + 2 days ,is this debt unenforceable and would I then need to write and ask them to close account as defaulted.

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If I CCA request the 2004 Barclaycard and they do not respond in 12 + 2 days ,is this debt unenforceable and would I then need to write and ask them to close account as defaulted.

 

Does not work quite like that. If they fail to reply to the CCA request properly, it just means that you could defend in court i.e non compliance with CCA request, if Barclaycard took it to court. Does not mean the debt goes away and it will not be chased. Barclaycard will just deal with the account per their usual procedures. And Barclaycard or any debt collector that follows can avoid the non compliance issue with the CCA request being an issue, by providing a true copy of the original CCA.

 

The point of sending the CCA request is to see whether Barclaycard can provide it. Banks often have major issues with storage of records and can't provide copies of documents. If you find out there is a problem, then you can use it to your advantage. If at anytime you are threatened with court action, then you request them to supply the CCA request. For accounts taken out pre April 2007, they need an original copy of the CCA.


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Thanks for explaining clearly.

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Have requested compliant paperwork under CCA request to PRA for barclaycard debt .If paperwork shows a reconstituted copy of agreement with married name on agreement and  the agreement was taken out when I was single and using maiden name is this legal and compliant .Agreement was also taken out pre 2007.

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not a chance of it ever being enforceable

and probably the usual 620000 T&C's they roll out?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks dx100uk for your invaluable help .

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