Neenys UE Diary

[Warwick65]

Hi
I would say it is not just advisable but essential you send S77-79 requests . If I have read it correctly you need to send 4, one for each card.

If you have sent one do not send another but non compliance protects your legal position if they can not comply

I am sure Di will add if I have missed anything

[NeenyT]

Hi Diana,

I only sent a SAR to Barclaycard as I was interested how I even passed their credit checks for 4 credit cards when I already had 5 active credit cards in the first place (I actually only remembered this fact after checking my credit report which clearly showed I had 5 credit cards already when they accepted me for 4 more, even though I applied once) . I have requested every single piece of information relating to the 4 accounts that they have.

If you think it’s worth me trying the CCA route with them, then I’m happy to give it a bash. Wescot & PRA have not sent me what I asked for.

To be honest, I’d be a bit wary of stopping all payments as I don’t want them sending to goons round to my folks house. It’s my mess and I don’t want them dragged into anything. I’m thinking of reducing down to minimal payment amounts, not yet, obviously, but maybe in a couple of months time.

[Joanna Connolly Solicitors]

Debt 2

Type of account: Barclaycard Credit Card (via IHG chain, International Hotel Group)
Date commenced: 30.04.2012
Approx balance: £2190
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying direct
Status Defaulted: 18.07.2016
Account owner: Barclaycard
09/07/2019 - SAR request sent to Barclaycard
12/07/2019 - Letter received from Barclaycard acknowledging receipt of SAR request, stating they will provide requested information within 90 days. They may call me for verification purposes.

Did you send a s77/78 CCA Request to Barclaycard with the £1 statutory fee for this debt, or did you only send a SAR?

Looking at your updates it seems that all your other debts may be unenforceable due to non compliance with your CCA Requests sent last month (9th July)

Di

[NeenyT]

if there is only terms and conditions, then they have not sent what you asked for, BUT.. I note that you sent the request by email,

A formal CCA request should be sent by post, along with the £1 fee required for it, sent signed for, so that you have proof of them receiving the request, copys should also be kept by yourself.
email documents can always be altered, not that I am saying they are, just that they can be.

Sorry. I did subsequently send via recorded post with the £1s. Forgot to add to diary, but did actually send correctly after advice from Diana and others last week.

[nightwatch]

Updated due to response from PRA for above account ending 0033. Should I send to Niddy for confirmation, Diana, or should I wait until they send through what I actually asked for before forwarding on?

if there is only terms and conditions, then they have not sent what you asked for, BUT.. I note that you sent the request by email,

A formal CCA request should be sent by post, along with the £1 fee required for it, sent signed for, so that you have proof of them receiving the request, copys should also be kept by yourself.
email documents can always be altered, not that I am saying they are, just that they can be.

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 3 PRA33

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £280
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
19/07/209 - Response received from PRA. No copy statements but has reconstituted terms. Barely legible in parts.

Updated due to response from PRA for above account ending 0033. Should I send to Niddy for confirmation, Diana, or should I wait until they send through what I actually asked for before forwarding on?

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 6 PRA31

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1900
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
20/08/2019 - re-sent for checking

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 5 PRA32

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1730
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 3 PRA33

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £280
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
09/07/2019 - CCA via recorded delivery inc £1.
19/07/2019 - Emailed letter received includes short form cancellation, historic terms and varied terms.
04/08/2019 - Emailed to Niddy for checking, no response as yet.
20/08/2019 - re- sent to Webmaster for checking

[NeenyT]

Debt 2

Type of account: Barclaycard Credit Card (via IHG chain, International Hotel Group)
Date commenced: 30.04.2012
Approx balance: £2190
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying direct
Status Defaulted: 18.07.2016
Account owner: Barclaycard
09/07/2019 - SAR request sent to Barclaycard
12/07/2019 - Letter received from Barclaycard acknowledging receipt of SAR request, stating they will provide requested information within 90 days. They may call me for verification purposes.

[NeenyT]

Debt 1

Type of account: Santander Credit Card
Date commenced: 25.05.2010
Approx balance: £1240
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via Wescot
Status Defaulted: 31.08.2016
Account owner: Wescot
09/07/2019 - CCA sent
13/07/2019 - Letter received from Wescot acknowledging receipt of CCA request, stating they have requested the information from Santander (Original debt owner).
18/07/2019 - Letter received from Wescot saying they enclosed a copy transaction list as I requested (I did not, I sent the full CCA request). Payments showing to them only since my IVA ended, nothing from payments to Santander during IVA. (Assuming this is not sufficient so not going to email Webmaster unless otherwise advised to).

[NeenyT]

I can see you've listed 5 Barclaycard accounts in your first post.

It may help the forum if you could add a number to each one (i.e. Debt 1, Debt 2 etc) then quote or Copy & Paste each one into a new post when you have new information to add.

You are in an unusual situation where you say you didn't make a successful application for four of these five Barclaycards so it's important to keep the information for each one of them separate.

Di

Hi Diana. That absolutely makes sense. I shall get on the case immediately. Not very familiar with the site and it's workings as yet so it may come out a little higglety pigglety. Shall I just add each one again below here for future reference? x

[Joanna Connolly Solicitors]

in response to my CCA request to PRA (with £1). I sent 4 (have 4 accounts with them). Only two of the accounts are in this email I just received and all they state is "copy statement" all over them. No terms included, initial or recent and no credit agreements either.

I can see you've listed 5 Barclaycard accounts in your first post.

It may help the forum if you could add a number to each one (i.e. Debt 1, Debt 2 etc) then quote or Copy & Paste each one into a new post when you have new information to add.

You are in an unusual situation where you say you didn't make a successful application for four of these five Barclaycards so it's important to keep the information for each one of them separate.

Di

[NeenyT]

Was that in response to your statutory CCA request with £1?

If they have just sent statements in response to your request then it is not worth sending them across. If they are in response to your request then the account is not enforceable in court. Do not let them know!

Good afternoon.

This was in response to my CCA request to PRA (with £1). I sent 4 (have 4 accounts with them). Only two of the accounts are in this email I just received and all they state is "copy statement" all over them. No terms included, initial or recent and no credit agreements either. I don't know if this is yet to come or whether they simply cannot locate the details.