Hi,
Long time lurker here!
To cut a long story short - had a barclaycard in 2004, never paid anything - stupid I know - and then moved to another part of the country.
Went through a bit of a bad time and completely forgot about it.
Over the past few months they have been sending letters and calling the house phone of the people who own the house, despite me telling them to remove it as it's not mine. Basically I've said I don't acknowledge the debt to get some time while I sort my money out, and that I wanted a copy of everything they had.
Through the post they've sent me an Application form, with a small box to the lower left saying 'This is a credit agreement' which is signed by me along with a statement of account.
However, there are no prescribed terms - interest rates, credit limit, repayment schedule, how to discharge the debt etc. Is this unenforceable?
My main disagreement is that the original limit was £750, but barclaycard allowed a recurring card payment take it to £1300 with charges and then cabot, who bought it in 2005 by all accounts, have put it upto £2100. It is statute barred in august this year and default will come off credit file april 2011.
I can upload a copy of the 'agreement' if needed. Hoping for replies quick as apparently it's gone to the pre-litigation dept and they have sent a letter a couple days back and called the phone (after being told not to) today.
Thanks