but bc can not give me a propper agreement, they already sent it and its not enforcable,

ive had a letter back from the dca, they say they have wrote to bc who have said they complied with my request, which they did , but the account is unenforcable. they have asked to to out line why i think this is. could someone help with a letter or how to word a letter? the agreement is missing some terms.

er, no. i didnt realise i had to.will start doing it now. i think they'er getting bored of calling now anyway. they got my letter today,signed for so hopfuly i'll get something back.

ok will have to send an sar, will let you know when i get something back

had another letter from calder saying i have failed to correspond with them!! i have printed out my last letter to them, my proof of delivery and the last letter i sent to bc. they keep phoning me as well even though ive told them not to, and they hate when i say i wont talk to them or go through security then hang up and they keep ringing back, they've now took to sending voice txts to my land line as well. im going to ring the fos and report them i think. will post the letter with my proof just to see if i get anything back, ive also had a letter off bc saying they are looking into my complaint, aha, any ideas what i do next?

had a letter from the cout saying the action has been stopped,

will the court write and confirm tht the action has been stopped? will get a sar sorted and posted next week, x

update ,had a letter from them today, they have now dropped the court action and are happy to take the reduced payment i offered them,

guess wht? had a letter from barclays !! it says "thank you fro contacting us.Enclosed is a copy of your bc t&c.if you need any extra information of if you've any questions then visit our website of give us a call. thank you for choosing bc we apperciate your custom. yours sincerely elaine mockler customer service director. so do i take it this is the agreement they said would follow~? do you think i should write back thank them for the reply but point out they have still not sent the information i have requested from them? is there a letter i should send? or do i ignore it and let them take me to court? also the t&c dont appear to even relate to the account, the charges and thing are set at £12, i took the account when the charges were higher, there doesn tseem to be any dates on teh terms and conditons just a line abou it relating to the account mentioned on the covering letter.

lol, thnk u , x

thank you, you think this will get deleted? (sorry if its naughty of me,)

it doesnt seem to be working quite right, if you write her name in the search box at the top then click on her it works.

you click on the picci of the child and then click vote im sure there used to be a chat forum on here, i cant seem to find it

could you lovely lot vote for my baby? HONEY CORCORAN http://sunbeams.thesun.co.uk/gallery_search.php

ok, i filled out the court papers online stating what you said. i dont want to take on to much at once.

what would you recommend i do slick? do you think its best i let them take the lead and wait for them to send me court papers etc?

gosh whats going on with my spelling today? sorry

what are my other options slick? ive looked at the cpr thread and i just thought tht is what im ment to do as its on the thread after the second cpr letter. if i sit and do nothing will they take me to court? i thought the whole point of the cpr was to get access to the agreement, they really ae a law to them selves, will repoeting theme to the fos help?

im going to get an n244 form, after a week i think i should look to filling it out, do you agree?

really? can they do that? they passed to account to mercer and now calder, isnt the whole point of the cpr to make them relase the agreements?

i did think he tick could be dodgy as there is nothing linking the page to me, as far as i know its just a print out of a random form which has just had my name put onto the first page.i have been told that its enforcable though.

ok, court stuff all filled out online the best i can

yeah dont expect to get anything. have had 3 sets of terms and conditions from them up to now , surely if they have the agreement theyd just send it?

just had a letter, i think its a responce to my cpr, although it doesnt say that. it says basicaly tht its my credit agreement under section 78 of the consumer credit act, (not what i asked for). they then outline the current credit limit, the balance and how much they would like for the next payment, (haha). it then says, please note, a copy of your current barclaycard credit agreement will be sent under separte cover.??? then there are 2 sets of terms and conditions, each one with no details of me on. they didnt comply to my cpr did they? im not holding much hope on the agreement to follow. do i write back now or what? will read through the cpr theard again later when i have a few hrs to pick through it.

ok, stick with me on this slick (and every one else.) im going to need you.