mehim's UE Diary

[Mehim]

Re: mehim's UE Diary

Hi I2D,

they are contacting Opus to investigate their said failure to respond to my request re the SAR.
They also mention the failure of CITI to comply.
Advise me that they(Cabot) sent me a recon true copy in January which therfore complies with CCA Regs.
Furthermore, there is no obligation for a copy of your original signed credit card agreement to be sent to you, outside of a Court.

We want paid lol

Opus have said "at the moment we are unable to trace a copy of the signed application form"
TY

[Deepie]

Re: mehim's UE Diary

Hi I2D,

they are contacting Opus to investigate their said failure to respond to my request re the SAR.
They also mention the failure of CITI to comply.
Advise me that they(Cabot) sent me a recon true copy in January which therfore complies with CCA Regs.
Furthermore, there is no obligation for a copy of your original signed credit card agreement to be sent to you, outside of a Court.

We want paid lol

Opus have said "at the moment we are unable to trace a copy of the signed application form"
TY

just ignore for now see what they send next.....

[Never-In-Doubt]

Re: mehim's UE Diary

Hi I2D,

they are contacting Opus to investigate their said failure to respond to my request re the SAR.
They also mention the failure of CITI to comply.
Advise me that they(Cabot) sent me a recon true copy in January which therfore complies with CCA Regs.
Furthermore, there is no obligation for a copy of your original signed credit card agreement to be sent to you, outside of a Court.

We want paid lol

Opus have said "at the moment we are unable to trace a copy of the signed application form"
TY

Well if Opus have said that, highlight that line of text and send a copy with this: ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

Or ignore it, really up to you whatever you decide

[Mehim]

Re: mehim's UE Diary

Hi Niddy,

That was the one I sent to them, along with a copy of the Opus letter, to which I got the above reply.

I`ll ignore it and wait to see what they do next.

What should I do regarding Barclaycard sending me a copy of someone else`s application form?

Just 2 days to go before the rest of them has failed to respond to the CCA request. I am assuming I fire of a template to them all regarding their failure, informing them all are

Many thanks for all the help.

[Never-In-Doubt]

Re: mehim's UE Diary

That was the one I sent to them, along with a copy of the Opus letter, to which I got the above reply.

Ok, then ignore them for now...

I`ll ignore it and wait to see what they do next.

Yes.

What should I do regarding Barclaycard sending me a copy of someone else`s application form?

Nothing, they are in default - wait till they write again

Just 2 days to go before the rest of them has failed to respond to the CCA request.

Great, then they become unenforceable until such time the lender/dca does respond and bring them out of s.78 default

I am assuming I fire of a template to them all regarding their failure

Not on your nelly! See above - they are unenforceable so you leave them well alone until THEY start to hassle YOU.

[Mehim]

Re: mehim's UE Diary

OK Boss,

I will ignore them all now and stop paying the ones I have still been paying.

I`m sure they will notice something is amiss then.

What a difference to the last camp I pitched a tent in. anyone I know who has problems will definitely be getting sent here to get the same welcome and help I and many others have received.

all round

TY

[Mehim]

Re: mehim's UE Diary

Evening All,

I misunderstood my own filing system. None of the card companies have responded in time or correctly to my CCA request.

I posted them all on the 10th not the 12th of the month.

Ya beauty.

Many thanks

[Mehim]

Re: mehim's UE Diary

Afternoon fellow fighters,

Just got a reply from Barclaycard regarding one account.

Sent me a recon copy agreement LOL last month they sent me a copy of the original signed application form that Niddy deemed

I will email him this latest, I have a feeling he wont be changing his mind about it.

All the best.

[Mehim]

Re: mehim's UE Diary

No 4 Barclaycard Credit Card

start : Sept 2004
bal : £2,400
last full : Present
present : paying
status : Up to Date

dca : None

2011

March 29th
BCard increased my interest rate. I closed the card and asked for a copy of the original agreement. Was told it would be sent.

March 29th
Letter acknowledging that they had closed the accounts.

April
Called them asking where the Agreement was that they were sending me.

May 6th
Letter received with Barclaycard T&Cs

May 6th
Same day as above. Letter with a recon Barclaycard agreement.

May 13th
Letter sent account in dispute.

May 19th
Letter received explaining why I was wrong regarding s78?

Dec 14th
letter sent telling them why they were wrong re timescales. Also sent a SAR

Dec 15th
Letter from them stating they sent me a final response in May, acknowledged the SAR and pointed out the parts of s78 that had been repealed. Tried to intimidate me with "Carey"

2012

Jan 11th
Uncomplete SAR received.

Jan 16th
Letter sent asking for the missing information,, original signed agreement, statements etc. Threw Ezsias v Welsh Ministers and said i would be making a complaint if I didn`t get the information.

Jan 20th
Letter from them

"Further to your recent request for information under the Data Protection Act of 1998, please find enclosed a copy of your original application"

This copy actually has a stamp top right and included in that is a different card number from the one I had.

Jan 25th: letter sent asking for the missing information again, informed them it is my final request for them to comply fully with my SAR or I`m complaining to everyone I can.

Feb 8th
Account in dispute letter sent.

EMAILING NIDDY

Feb 10th: CCA Request sent, bit late but what the hell. They will be even more confused than me

Feb 24th: No response to my CCA request. Ignoring till they respond.

Niddy says

Feb 26th: Letter from B/card with a recon copy agreement.

EMAILING NIDDY

Testing, have already posted the latest. I did email Niddy

[Never-In-Doubt]

Re: mehim's UE Diary

Just got a reply from Barclaycard regarding one account.

I will email him this latest, I have a feeling he wont be changing his mind about it.

Correct, it changes nothing and remains

Just await further threats & keep us updated; no response necessary.

[Never-In-Doubt]

Re: mehim's UE Diary

Testing, have already posted the latest. I did email Niddy

But Niddy is rushed off his feet mate thus can take a few days to get a reply unfortunately

[CleverClogs (RIP)]

Re: mehim's UE Diary

Just got a reply from Barclaycard regarding one of them today.

Copy of the "original application" included except,

Wrong name, wrong address, wrong date of birth, wrong signature.

I have a feeling it is the wrong application form lol

And that it had been submitted by the wrong person?

Do you suppose they might try to sue on that?

Have you looked on 192.com to see if that person still lives there? If they do, they may be a bit concerned about SharklayCard's breach of the DPA.

[MrsD]

Re: mehim's UE Diary

Barclaycard are really good at this, I've got one of those too. its when they are typing them up you see, their eyes jump on the spreadsheet they are taking the names from, and hence they stick the wrong person in the right envelope, so to speak.................

[CleverClogs (RIP)]

Re: mehim's UE Diary

they are contacting Opus to investigate their said failure to respond to my request re the SAR.
They also mention the failure of CITI to comply.
Advise me that they(Cabot) sent me a recon true copy in January which therfore complies with CCA Regs.
Furthermore, there is no obligation for a copy of your original signed credit card agreement to be sent to you, outside of a Court.

We want paid lol

Opus have said "at the moment we are unable to trace a copy of the signed application form"

Well if Opus have said that, highlight that line of text and send a copy with this: ---> Our Templates | Unenforceability Templates | CCA Query - Letter Previously Confirming No CCA

But printed in large type and with a glossary explaining any difficult words?

[CleverClogs (RIP)]

Re: mehim's UE Diary

Barclaycard are really good at this, I've got one of those too. its when they are typing them up you see, their eyes jump on the spreadsheet they are taking the names from, and hence they stick the wrong person in the right envelope, so to speak.................

Have they ever tried to sue on it?