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Re: Grassy_K's Unenforceability Diary
Barclaycard #2 (old Egg Blue card)
Date commenced: Approx. 2004
Approx Balance £9,000
Date last paid : Token £5 payments on DMP until June 2014, nothing since then
Defaulted - Jan 2013
Account owner: Barclaycard
1/2 - Letters x 2 from Barclaycard "After reviewing your payments" we are now issuing a formal demand for payment (with threat of court action). Can avoid this by telephoning them and coming to a payment arrangement. And P.S we screwed up your CRA reporting. We're now correcting it and defaulting you.
24/2 - CCA request sent to Barclaycard for each card
23/7 - Reconstituted agreement (just two sets of T&Cs) received from Barclaycard
29/7 - "T&C's sent" letter sent to Barclaycard
13/8 - Response received from Barclaycard - "in response to your request for your application, please find enclosed". What was actually enclosed was a printout of a set of data from the 'alleged' internet application - name, address, employer, income etc. NO linked terms, more importantly not a signed credit agreement. I'm fairly sure this is
but will scan and submit everything to Niddy just to be on the safe side, as it's a large amount of money. I think I'm also still going to have to press them a little harder on the matter of whether they hold a signed agreement as well, although we know that Egg are good at reconstituting if pushed, but this account is currently not being paid even token payments for the time being.
18/08 - I think I uploaded the documents successfully using the new form a few days ago, but haven't seen/heard anything in response, so not sure if it actually worked, or if the Boss is busy/away...
Barclaycard #2 (old Egg Blue card)
Date commenced: Approx. 2004
Approx Balance £9,000
Date last paid : Token £5 payments on DMP until June 2014, nothing since then
Defaulted - Jan 2013
Account owner: Barclaycard
1/2 - Letters x 2 from Barclaycard "After reviewing your payments" we are now issuing a formal demand for payment (with threat of court action). Can avoid this by telephoning them and coming to a payment arrangement. And P.S we screwed up your CRA reporting. We're now correcting it and defaulting you.
24/2 - CCA request sent to Barclaycard for each card
23/7 - Reconstituted agreement (just two sets of T&Cs) received from Barclaycard
29/7 - "T&C's sent" letter sent to Barclaycard
13/8 - Response received from Barclaycard - "in response to your request for your application, please find enclosed". What was actually enclosed was a printout of a set of data from the 'alleged' internet application - name, address, employer, income etc. NO linked terms, more importantly not a signed credit agreement. I'm fairly sure this is
but will scan and submit everything to Niddy just to be on the safe side, as it's a large amount of money. I think I'm also still going to have to press them a little harder on the matter of whether they hold a signed agreement as well, although we know that Egg are good at reconstituting if pushed, but this account is currently not being paid even token payments for the time being. 18/08 - I think I uploaded the documents successfully using the new form a few days ago, but haven't seen/heard anything in response, so not sure if it actually worked, or if the Boss is busy/away...
Egg Green card. When I really pushed them about the agreement on the Green, they did come up with it in the end, so I'm hoping when I challenge again on this blue card that the same thing doesn't happen.
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