[QUOTE=stuffthebanks;507422]Barclaycard
Started:25/5/2005
Balance:£830
Status:Not in default
Last payment:Feb 2012
27/2/14...Received today letters from Barclaycard saying they have sold account to MKDP and a letter also from MKDP confirming they are now going to hound me....
I will be sending the account sold in dispute template to MKDP i think?
12/3/14.......Letter received today from MKDP acknowledging receipt of my last letter.
They are unable to process my request for a CCA because i have not paid the £1.00 fee.
If i send £1.00 they will request the info from Barclay's.
I am thinking send them back a short, please read the contents of my last letter and it will explain that i am in dispute because i have already paid the £1.00 but Barclaycard have failed to provide me with all of the documentation requested.
Anyone have any other way to go.
17/3/14....Reply back from MKDP today.They have confirmation back from Barclaycard that my section 78 request was fully complied with in 2012.
Now what they sent in 2012 was a whole load of terms that that were not connected directly with my agreement, which was not sent with the terms.
They sent my agreement on its own at the end of 2013.
So a white lie by Barclaycard, because it was not fully complied with in 2012.
Not sure on what to send next, i was thinking another short one along the lines of....Please be aware that Barclaycard are lying tossers, and did not and have not fully complied with my section 78 request.
Anyone got any more sensible and more official ways in which to respond????
Thanks in advance for looking.
25/5/15...Reconstituted copy of terms and conditions received from MKDP..... Nidd's advised to send MKDP missing t&c's template letter...
6-6-15 ........Another set of terms and conditions received from MKDP........SAME as last ones ....only difference is.....they have sent them on blown up A5 paper
....... I am thinking of sending another missing t&c's template.......Any advice most gratefully received.....
*********UPDATE***********
9-6-15 .....Just received the following email from MKDP..........Any advice please on my response.....
You have made reference to the prescribed terms under section 60, please note all relevant terms are enclosed in the documentation previously supplied to you. Therefore we do not believe that any issue of unenforceability arises.
We can also confirm that we have spoken to an employee of Barclaycard who has confirmed that in accordance with the information stored on their systems and in line with their procedures, a properly executed agreement was in place in accordance with Section 61 (1) of the Consumer Credit act 1974.
There is no requirement to provide you with an original signed copy of the executed agreement. Our obligation is satisfied by providing you with a reconstituted copy which is legible. As you are aware we have provided you with a copy previously.
At this time we do not regard the account as in dispute. We will resume our attempts to contact you to discuss your account.
MKDP LLP are committed to ensure our customers receive a high standard of customer service at all times and we therefore kindly ask you to contact our collections team on 0330 3001004 to discuss your account.
/QUOTE]
) as you've posted on your thread, or was it our Missing Prescribed Terms template. There's a big difference between those two challenges.
)
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