Re: Barclaycard Help Please
Some people want the bloody moon on a stick
Announcement
Collapse
No announcement yet.
Barclaycard Help Please
Collapse
X
-
Re: Barclaycard Help Please
Originally posted by AJHARPAThanks all, although I was informed that if a CCA is unenforceable then the record should be removed from my file straight away as they cannot persue the debt, is that not correct then? Apologies for my ignorance
Leave a comment:
-
Re: Barclaycard Help Please
Thanks all, although I was informed that if a CCA is unenforceable then the record should be removed from my file straight away as they cannot persue the debt, is that not correct then? Apologies for my ignorance
Leave a comment:
-
Re: Barclaycard Help Please
Originally posted by AJHARPAThanks niddy, at the moment this will black flag my credit rating, at what point will I be able to get it removed from my file?
A
Leave a comment:
-
Re: Barclaycard Help Please
It will drop off your file 6 years (5 if you are in Scotland) after your last payment. Have a wee read around the unenforceability thread, lots of info there.
Leave a comment:
-
Re: Barclaycard Help Please
Thanks niddy, at the moment this will black flag my credit rating, at what point will I be able to get it removed from my file?
A
Leave a comment:
-
Re: Barclaycard Help Please
After checking your email, I confirm that they never sent a CCA and it is indeed unenforceable.
Leave a comment:
-
Re: Barclaycard Help Please
Originally posted by AJHARPAHello
My barclaycard i belive is unenforcable, it use to be a morgan stanley card until BC tool them over. BC have admitted they do not have my orignal agreement anymore, and after many months of sending letters i finally sent the final response letter and stopped payments, since stopping payments BC have started replying to me and have since come back with a reconstituted copy of the terms and conditions. i then sent the final rtesponse letter again from this website and they have since replied this week still saying it is enforcable and they will be chasing me for the debt. Please advise and help me.
Thanks
A
Whatever you do, don't worry ok? It'll be fine, they can and will hassle you - what they cannot do is obtain any formal judgment against you.
Leave a comment:
-
Re: Barclaycard Help Please
Your welcome, and I am sure Niddy will get back to you in due course. Probably will be later in the day. Try not to worry too much.
Leave a comment:
-
Re: Barclaycard Help Please
Thanks Andy i ahve just sent Niddy an email as requested
Leave a comment:
-
Barclaycard Help Please
Hello,
When Barclaycard took over Morgan Stanley's CC i was one of them accounts when i found oout about the unenforcability i thought i would try it on this account and Barclaycard ahve admitted they do not have my original agreement and have since provided me with a reconstitutued version of my terms and conditions. the final response template letter from this site and they have now replied (attached) but are still adamant that this CCA is enforcable. HELP ME PLEASE!!
ATags: action, admitted, banks, barclaycard, barclays, cca, chasing, court, cra, credit, credit rating, data, date, dca, debt, debts, default, default notice, email, fine, firm, hassle, hbos, help, legal, letter, letters, lost, mercers, niddy, no cca, online, overdraft, payments, phone, prescribed terms, rating, rbs, template, terms and conditions, threats, unenforceable, useless, website
Leave a comment: