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hi all
I requested a CCA from Barclaycard awhile back, its now with a DCA does the CCA request show the relavant info for it to be valid if that makes sense
all I got was the following
I write further to a letter requesting a copy of your excuted agreement for the above account.
the information we must provide to you under the terms of section 78 is prescribed by the consumer credit act 1974 and by the consumer credit (cancelation notices and copies of documents) regulations 1983.
under section 78, we must supply you with a copy of your excuted agreement and a statement of account which is practicable to refer.
please find enclosed a copy of your latest executed agreement.
this is a statement of the terms of your agreement with us and incorporates any varitions to the terms made since you entered into this agreement, however, the intrest rates, fees and charges set out in the agreement, may differ from those we have discussed with you, due to the current status of your account.
the current credit limit on your account £4000
the current balance on your account today is £3918
with refrence to the civil procedure rules (the cpr). we have provided you with sufficient information to allow you to understand our position, the cpr does not confer an automatic entitlement to documents before proceedings start .
provides that a party may apply to the court for pre-action disclosure in certain circumstances, which do not apply here, the application must be supported by evidence, and the usual order is for the applicant to pay the costs of the application, including the respondents costs, together with the respondents costs of complying with any order that is made as a result (cpr48.1 (2)
while there is no formal obligation on our part to provide documentation in answer to validation of debt correspondence, we have undertaken steps, to provide you with the contractual terms under which your fianancial obligations arise and a statement of account,
I am fully satisfied that the sum outstanding by you remains legally due and payable. you should continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement, if you do not , we may register a default against you with credit refrence agencies, although we will formally notify you before doing so,
this completes our obligation to you under section 78 of the consumer credit credit act 1974
your sincerely
Barclaycard services
it was followed by 3 pieces of paper with terms and conditions on, no sig on there tho.
does this mean they hold all the required paperwork for my account ? if not is there something else I need to send them to request it?
I requested a CCA from Barclaycard awhile back, its now with a DCA does the CCA request show the relavant info for it to be valid if that makes sense
all I got was the following
I write further to a letter requesting a copy of your excuted agreement for the above account.
the information we must provide to you under the terms of section 78 is prescribed by the consumer credit act 1974 and by the consumer credit (cancelation notices and copies of documents) regulations 1983.
under section 78, we must supply you with a copy of your excuted agreement and a statement of account which is practicable to refer.
please find enclosed a copy of your latest executed agreement.
this is a statement of the terms of your agreement with us and incorporates any varitions to the terms made since you entered into this agreement, however, the intrest rates, fees and charges set out in the agreement, may differ from those we have discussed with you, due to the current status of your account.
the current credit limit on your account £4000
the current balance on your account today is £3918
with refrence to the civil procedure rules (the cpr). we have provided you with sufficient information to allow you to understand our position, the cpr does not confer an automatic entitlement to documents before proceedings start .
provides that a party may apply to the court for pre-action disclosure in certain circumstances, which do not apply here, the application must be supported by evidence, and the usual order is for the applicant to pay the costs of the application, including the respondents costs, together with the respondents costs of complying with any order that is made as a result (cpr48.1 (2)
while there is no formal obligation on our part to provide documentation in answer to validation of debt correspondence, we have undertaken steps, to provide you with the contractual terms under which your fianancial obligations arise and a statement of account,
I am fully satisfied that the sum outstanding by you remains legally due and payable. you should continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement, if you do not , we may register a default against you with credit refrence agencies, although we will formally notify you before doing so,
this completes our obligation to you under section 78 of the consumer credit credit act 1974
your sincerely
Barclaycard services
it was followed by 3 pieces of paper with terms and conditions on, no sig on there tho.
does this mean they hold all the required paperwork for my account ? if not is there something else I need to send them to request it?
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