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  • #1

    Barclaycard unenforceable!

    My OH has been paying RMA for about 5 years. During the summer I sent a CCA. We have just had a response, currently unable to provide a copy of the terms of your credit agreement as varied in accordance with s 82(1) of the Act.......prevented from enforcing.......but you should continue to pay!!!!!

    All they have sent is some t&cs. Is it worth sending t&cs template or just ignoring as they have said that they cannot enforce?
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    Tags: account, act, barclaycard, cca, con, credit, credit agreement, debt, letter, mistake, special, template, threats, unenforceable, work
  • #2
    Re: Barclaycard unenforceable!

    Originally posted by cymruambyth View Post
    My OH has been paying RMA for about 5 years. During the summer I sent a CCA. We have just had a response, currently unable to provide a copy of the terms of your credit agreement as varied in accordance with s 82(1) of the Act.......prevented from enforcing.......but you should continue to pay!!!!!

    All they have sent is some t&cs. Is it worth sending t&cs template or just ignoring as they have said that they cannot enforce?
    They always do say that, every time!

    If it was me in this position I would not respond to this. Sharklaycard and their associated cronies demolish entire rainforests so they can send out endless facetious threats, so there will be plenty of chances to go through the entire AAD template catalogue. I do hope you're OK for printer ink.

    I would just wait for their follow up and then counter that, possibly with a T & Cs letter or one referring them back to their own response.

    SH
    Last edited by ScabHunter; 8 December 2012, 17:36.

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    • #3
      Re: Barclaycard unenforceable!

      Thanks, that was my first thought, then I wondered about the ignoring argument. It is just a mistake to think I work much better when I don't engage my brain !
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #4
        Re: Barclaycard unenforceable!

        Originally posted by ScabHunter View Post
        I would just wait for their follow up and then counter that, possibly with a T & Cs letter or one referring them back to their own response.

        SH
        Agreed
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        • #5
          Re: Barclaycard unenforceable!

          Bloody hell thats annoying!! All they sent me was t&c's but are passing it off as an agreement. How come you are getting special treatment lol

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          • #6
            Re: Barclaycard unenforceable!

            wow we sent off cca requests last July and hubby got a response saying they are looking for the agreement , but mine has just been ignored i haven't had any response so i am crossing my fingers they never do lol
            _______________________________________



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            • #7
              Re: Barclaycard unenforceable!

              All I got from B/shark was a appliction form and a set of t&cs from oc and another set of updated ones from B/shark. I now ignore all the fallen trees they send until I get what I asked for. Don't think they can take things any further.

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              • #8
                Re: Barclaycard unenforceable!

                I had the letter from BC saying that they cannot provide me with any documentation regarding my account and that they know I will not be paying anymore, however, they said that because they cannot enforce this debt does not mean that they can't chase it ... I am quaking .... with laughing




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