Barclaycard/Egg CCA request

[bettingmad]

Re: Barclaycard/Egg CCA request

Quick query, my CCA was sent to Moorgate late 27/03/13 and it was signed for their end on 02/04/13.
I am aware of the 12+2 for compliance howver there are also 2 Bank Holidays in the mix. Would it follow in these circumstances that they would be allowed 12+4?

[mystery1]

Re: Barclaycard/Egg CCA request

Service of post is rebuttable and as this was recorded and you know when it was signed for so you don't add anything for service. Date of service + 12 days.

M1

[bettingmad]

Re: Barclaycard/Egg CCA request

Service of post is rebuttable and as this was recorded and you know when it was signed for so you don't add anything for service. Date of service + 12 days.

M1

Forgive me for being dim in these matters but would that make the compliance date 14/04/2013?

[Pixie]

Re: Barclaycard/Egg CCA request

Don't worry too much about the 12+2 days.

Until they send you an enforceable cca they are in default of your cca request and cannot enforce it.

[fluffystuff]

Re: Barclaycard/Egg CCA request

Forgive me for being dim in these matters but would that make the compliance date 14/04/2013?

It's working days, not consecutive days, so using the 2nd as date of service, takes you to the 17th.

[bettingmad]

Re: Barclaycard/Egg CCA request

I am hoping Niddy will come back and tell me the Barclaycard/Egg CCA is not enforceable. Mind you with my general luck it will most likely be enforceable!!

[fluffystuff]

Re: Barclaycard/Egg CCA request

Fingers crossed for you!

[Never-In-Doubt]

Re: Barclaycard/Egg CCA request

hang on.... been hectic! will check now

[Never-In-Doubt]

Re: Barclaycard/Egg CCA request

I am hoping Niddy will come back and tell me the Barclaycard/Egg CCA is not enforceable. Mind you with my general luck it will most likely be enforceable!!

They've only sent terms, no agreement....

Hence it is UE and you ought to respond as follows --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK

[bettingmad]

Re: Barclaycard/Egg CCA request

hang on.... been hectic! will check now

Niddy TBH I was not expecting an update for a while as I appreciate how demanding these requests are for you. Whenever you manage to get around to it will be greatly appreciated.

[bettingmad]

Re: Barclaycard/Egg CCA request

They've only sent terms, no agreement....

Hence it is UE and you ought to respond as follows --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK

Thanks Niddy, looks like my luck is changing. So basically in their covering letter they are telling porkies in that they are providing me with the agreement and this complies with CUPTR?

Would I need to SAR them as well?

Also I have seen previous reponses from Barclays to people where they have admitted that they do not have the agreement. Is this a change in tact to put people of the scent and are they not being misleading in asserting they have provided a copy of an agreement when it is plainly not?

Mind you I do appreciate we are talking Barclays here.

[Never-In-Doubt]

Re: Barclaycard/Egg CCA request

No need to SAR or anything like that as they may not send the agreement within the SAR so send back what I linked to, above.

[happy_bunny]

Re: Barclaycard/Egg CCA request

Quick query, my CCA was sent to Moorgate late 27/03/13 and it was signed for their end on 02/04/13.
I am aware of the 12+2 for compliance howver there are also 2 Bank Holidays in the mix. Would it follow in these circumstances that they would be allowed 12+4?

I took out an Egg loan in 2005 that was transferred to Morrgate.

I CCAd Egg in 2011 before they sold it. Got back a copy of the signed one.

So looks like Egg kept them, but hopefully they suffered a nasty accident in the post to Moorgate

Good luck

HB