Standingupformyself v Barclaycard 'WON'

[noomill060]

Yeah, same thing that I got. I sent it to Trading Standards who agreed- its just an application form.

 

I did eventually get a copy of the T&Cs though, which sort of means they have complied with the CCA request, but none of the credit limits on the T&Cs atcually corespond with the credit limit they gave me, therfor unenforceable.

 

If you push them further you will get a copy of the T&Cs. When you do, check the credit lomits stated to your actual original credit limit.

 

This will be stated somewhere in the bumf you got in response to your SAR, if you told them you wanted everything held on you.

[noomill060]

Send it to TS complaining that you want them to enforce your CCA request.

[noomill060]

Youre right, just sending T&Cs or the application form is not enough.

 

You have to get both.

[noomill060]

They did send me a copy of terms and conditions, but it was not anything personal to me, just 2 peices of A4 paper with T & C printed on it, stapled together..

 

Thats all I got, too.

[noomill060]

Have you checked what your original credit limit was- from your memory or statements?

[noomill060]

Ah, well thats one of the limits on the T&Cs, so that particular avenue is out of the window.

 

Go here-

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-416.html#post1052040

 

post 8309 peterbard today had a useful phone convo with Consumer direct about application forms and copies of T&Cs.

[noomill060]

Thats great news!

 

Very well done.