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Hello - was recommended to check this site out.
Whilst I am currently asking Apex/Cabot for a CCA request, I rummaged and remembered that on my Barclaycard I asked one from them in March 2012. I forgot totally about it and I don't think they've found a signed copy.... just need to check your thoughts on this.
Their letter from Judith at Barclaycard Customer Services says back in March 2012 (condensed the main points she says):
"Reference: Section 38 of the Consumer Credit Act 1974
I refer to your request for information.
......
I enclose a reconstituted copy of your credit agreeent and a copy of the terms of your credit agreement as varied in accordance with csection 82 (1) of the act.............
I am fully satisfied that the sum outstanding by you remains legally due and payable.........
This completed our obligations under Section 78 of the act.
Yours sincerely......
"
Now on the scanned image, please see link below, the date of the copy of the original (so-called) is 26/06/2007. There is NO SIGNATURE of mine on there at all - no mention of my name at all. She's attached a Barclaycard cancellation document which is also unsigned but it has my name and address at the top (blanked out for obvious reasons).
They also sent an updated blank T & C's document which mentions nothing about me or a Barclaycard reference or anything at all. Surely none of this would stand up?
Have they really got it right, have they complied? Why is there no signature then? Does this mean I owe them anything?
Thanks for your help!
Scanned CCA attached:
Whilst I am currently asking Apex/Cabot for a CCA request, I rummaged and remembered that on my Barclaycard I asked one from them in March 2012. I forgot totally about it and I don't think they've found a signed copy.... just need to check your thoughts on this.
Their letter from Judith at Barclaycard Customer Services says back in March 2012 (condensed the main points she says):
"Reference: Section 38 of the Consumer Credit Act 1974
I refer to your request for information.
......
I enclose a reconstituted copy of your credit agreeent and a copy of the terms of your credit agreement as varied in accordance with csection 82 (1) of the act.............
I am fully satisfied that the sum outstanding by you remains legally due and payable.........
This completed our obligations under Section 78 of the act.
Yours sincerely......
"
Now on the scanned image, please see link below, the date of the copy of the original (so-called) is 26/06/2007. There is NO SIGNATURE of mine on there at all - no mention of my name at all. She's attached a Barclaycard cancellation document which is also unsigned but it has my name and address at the top (blanked out for obvious reasons).
They also sent an updated blank T & C's document which mentions nothing about me or a Barclaycard reference or anything at all. Surely none of this would stand up?
Have they really got it right, have they complied? Why is there no signature then? Does this mean I owe them anything?
Thanks for your help!
Scanned CCA attached:
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