Westham1 UE diary

[Westham1]

Hi Di,
I replied to your query in post #107, where I summarised the history.
I started this thread in post #86.
The Egg internet application is in the SAR. All it contains are my details, dated April 2005, the card type is EGG CARD.. There aren't any Egg t&c's in the SAR.

There are also 2 more barclaycard applications in the SAR.
1. Barclaycard visa from 2004 (which I had forgotten about) - last used about 2006 as far as I can make out from the SAR
2. Barclaycard Oyster in 2008.

The 2008 one is the application which 1st credit sent me, along with EGG t&c's from between 2004-2005..
Barclaycard must have mistakenly sent this 2008 form to 1st Credit, would they have also sent them the Egg t&c's (which weren't in the SAR)? or would 1st Credit have obtained these themselves?

[Joanna Connolly Solicitors]

I noticed in the SAR report in May 2017 1st Credit sent an email asking for everything pertaining to the defaulted account and a couple of months ago 1st Credit sent a copy of a cca for a different barclaycard account which was opened in 2008 and settled and closed in 2014.
This doesn't help me very much at all.

Are you saying that 1st Credit hasn't complied with your CCA Request because they sent you a credit agreement that has nothing to do with the debt which they currently own?

I think that's very helpful

Whatever happens don't tell them they've got it wrong.

Is there any sign of the Egg credit agreement in that Barclaycard SAR? If not then 1st Credit won't be able to get it either.

Is the history of this debt in a post on this thread and if so which post number?

Di

[Roger]

107
"..your request of the default notice and termination notice we have requested these from the OC and will contact you again once we receive their response."

Well you know they asked in May and you know from the SRA
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014

Neither of these were included ?. Its reasonable to assume that 1st Credit haven't got these documents.

The Default Notice is a key document!

I should file the SRA away. If you are over concerned simply write back to Barclays for confirmation that this is ALL they have.

[Westham1]

I doubt if this would work in my case as Barclaycard sold the account to 1st Credit over 2 years ago.
In your case, when you did get the correct paperworks, was everything included ie default notice, account termination notice.
This account was originally an Egg card, opened in 2005, which Barclaycard took over in about 2011.
I remember receiving a letter from Barclaycard at the time, but I don't think I kept it.
I thought this letter would have been included in the SAR details.
That was the main reason I sent for the SAR.
I noticed in the SAR report in May 2017 1st Credit sent an email asking for everything pertaining to the defaulted account and a couple of months ago 1st Credit sent a copy of a cca for a different barclaycard account which was opened in 2008 and settled and closed in 2014.
This doesn't help me very much at all.

[DNW]

Today I received two parcels from Barclays.
1. Bundle of pages regarding my SAR request
2. Bundle of papers regarding somebody else's SAR request.

.

I'm not sure if this might be useful, but when i received some paperwork not meant for me, with much help from (and thanks to) Never-In-Doubt, my account got written off. The details are all in my diary post here: https://www.all-about-debt.co.uk/for...882#post311882

I wonder if a similar tactic might be used in your case?

[Still Waving]

thats when I knew I could safely say they had no knowedge of the £8k loan i had defaulted on.
that was a happy day

[nightwatch]

Barclays told me they didn't keep copys of Defaults only a date they were issued in the log.

oh yes I knew somethings were missing so I wrote and told them I requested everything they held in my name, I got anothe letter back saying they had sent me everything.
thats when I knew I could safely say they had no knowedge of the £8k loan i had defaulted on.
that was a happy day

[Westham1]

All they said in the accompanying letter was "this is the information requested that we have located"

[Still Waving]

With regards to mine, I was expecting to be included, amongst othe things
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014

Neither of these were included - should they have been?.

Did they not include a sheet/note saying (in effect) "what we include, and what we don't include and why"? Some banks appear not to keep a full copy of notices, but retain the details (dates/amounts) as an entry in their log.

[Westham1]

Today I received two parcels from Barclays.
1. Bundle of pages regarding my SAR request
2. Bundle of papers regarding somebody else's SAR request.

With regards to mine, I was expecting to be included, amongst othe things
A} A copy of the letter which they sent me in 2011 or 2012 to say they had bought Egg and had taken over that account (this is the account in default which 1st Credit now own).
B) A copy of the default notice which they sent in December 2014

Neither of these were included - should they have been?.

[Westham1]

Another letter from Cabot - still no threats, will ignore.

[The Tech Clerk]

sometimes they know they have 40 days to supply within

[Westham1]

Barclaycard signed for the SAR on 7th July but I haven't heard anything back from them.
Do they normally acknowledge receipt? They haven't cashed the £10 cheque.

[Westham1]

SAR sent to Barclaycard.

[Joanna Connolly Solicitors]

You can request a SAR online from Barclays using this link, but it may 'time out' after a while so then you'll have to Google "Barclays Subject Access Request" >

https://www.apply.barclays.co.uk/for...execution=e1s1

Di