MJR001 UE Diary

[mjr001]

Re: MJR001 UE Diary

Just a quick update..

Letter received from Barclaycard, via Apex, with response to CCA request. This does not even have my signature on, and some paperwork has date stamps of 2007. Upload to Niddy

[MrsD]

Re: MJR001 UE Diary

standard barclaycard rubbish, wait and see what Niddy advises..............but try not to worry.

[Never-In-Doubt]

Re: MJR001 UE Diary

Just a quick update..

Letter received from Barclaycard, via Apex, with response to CCA request. This does not even have my signature on, and some paperwork has date stamps of 2007. Upload to Niddy

Its a recon and incorrect terms - 100% unenforceable

Well done

[PriorityOne]

Re: MJR001 UE Diary

Once upon a time, I was also on CAG... but they've changed a lot since! I know exactly *who* says that £1/mth is the solution, same one who also thinks the Holy Grail is in your credit files...

There are a few of here who used to be on CAG.... but as FP says, the forums have changed and the focus these days seems to concentrate far too much on credit file information..... without explaining the pitfalls of checking those files and how pointless it is in the grand scheme of things anyway.

That's why I've now left there as well....

[Never-In-Doubt]

Re: MJR001 UE Diary

^^^ plus we look after you and respect you

That's why AAD has the best mods

[pompeyfaith]

Re: MJR001 UE Diary

^^^ plus we look after you and respect you

That's why AAD has the best mods

Thank you that is much appreciated.

[mjr001]

Re: MJR001 UE Diary

Its a recon and incorrect terms - 100% unenforceable

Well done

what should i send as a reply to these idiots, also its from barclaycard, but came in an apex credit management envelope. who should i send it back too - Apex ?

[Deepie]

Re: MJR001 UE Diary

what should i send as a reply to these idiots, also its from barclaycard, but came in an apex credit management envelope. who should i send it back too - Apex ?

usually this ..........>.....
CCA Query - Missing Prescribed Terms... to whoever wrote to you

[Never-In-Doubt]

Re: MJR001 UE Diary

usually this ..........>.....
CCA Query - Missing Prescribed Terms... to whoever wrote to you

Yep, send that to Apex

[mjr001]

Re: MJR001 UE Diary

Recieved a letter from Apex today saying they are refuting the claim of lacking the prescribed terms (something about credit limits etc ). No mention why there was no signature on the CCA they sent though. uploaded. Any ideas what to send these idiots next ??

[Deepie]

Re: MJR001 UE Diary

^^^^ I Would send this...>......
Final Response - Unenforceable (CCA Received)

[SXGuy]

Re: MJR001 UE Diary

So whats their letter saying, that they did not need to include the amount of credit availible to you at the time of account inception?

I find it difficult to understand their argument against yours. Can someone clarify their point they are tyring to make and why they are wrong?

As far as i can see, you argued that the perscribed terms were missing, but they reply with a letter stating they do not need to include anything to show the credit availible during the agreement signup.

[mjr001]

Re: MJR001 UE Diary

i have no idea what these morons are on about either, they start waffling about credit limits etc but the most obvious to me is that it does not include my name, address, or any signature (The CCA they sent was just random terms and conditions, and was even date stamped in the corner of the pages 2007, my account was taken out in 2000 ?)

[SXGuy]

Re: MJR001 UE Diary

i have no idea what these morons are on about either, they start waffling about credit limits etc but the most obvious to me is that it does not include my name, address, or any signature (The CCA they sent was just random terms and conditions, and was even date stamped in the corner of the pages 2007, my account was taken out in 2000 ?)

Its like they are quoting the CCA 2006 to justify the date stamp on the T&C's being 2007 lol.

I think they are playing the, selective reading game me thinks!

[SXGuy]

Re: MJR001 UE Diary

It must be so hard sometimes to restrain yourself from writing back just to point out their stupidness rather than ignoring it.

I know when i read letters from DCA's it winds me up and i have to really stop myself from writing back stating they missed the point lol