ok since i last posted although we accepted the offer black horse still haven't paid up. ive spoke to them they say they didnt get the acceptance form from fos, i rang them they insisted they sent it but would send it again, again bh claim not to have it, so fos sent it again this time waiting on the phone to ensure the fax got to them which it did, gave it afew weeks rang bh to see what was happening, they claim to not have the form again! fos rang them and they managed to "find it" but still no payment, what should i do? any ideas?

thanks slick x

ok, from last time i decided to do nothing, was all getting on top of me, everytime the called ive told them will not talk to them contact me in writting. the calls now seem to have stopped. got a letter this morning from mercer, basicaly just a threat saying they may pass the account to a local dca who will call at my home, immediate payment needed, blah blah. cpr will be printed out tonight, feeling abit stronger now ive got some of my over creditors under control, they are still ignoring all my past letters. im also going to put a contact in writting letter and maybe one that states i do not agree to doorstep collection in for good measure. if they have my credit agreement why dont they just send it?

ok, letter all done, now do i report them or wait to see if they respond? how do i go about reporting them if thats what i need to do ?

ok, will get that letter printed out and posted, so frustrating why they dont have to respond to their mail

thanks slick, no i haven't sent a sar, i haven't had any charges applied to this account yet as the charges and interest have been frozen since the account was opened. they deff have not sent me a default for this account as ive checked. should i include a line asking for a copy of the default they sent me? would the account be enforced if they took me to court? thanks again.

no ive never had a default off them, ive wrote to then saying the agreement is unenforceable and that is what ive had back. any advise?

http://i374.photobucket.com/albums/oo190/minnimes/img028-1.jpg finally had a response from them, not what i was hoping for they seem to be plowing on regardless of what i say, they've totally ignored all my letters any idea what i do now?

dont know why i just found it hard to be rude to them, not a problem now though

im not talking to anyone one the phone, i said last time i did, as in refering to the time i mentioned ages ago, must say though im getting sick to death of phone calls from mercer (not sure which account its from as i dont listen long enough) i answer they ask for me i say speaking they ask me for my dob etc i say ive told you i will only answer you in writing. so i am doing everything im ment to be doing, im just wondering if i should write to them again as they have ignored my letters, as usual, or just leave it. dont forget i am new to all this so it has took me a little while to get the hang of things. barclays, mercer or what ever they decide to call them selves on the day are by far the most aggersive ive had to deal with. wish theyd answer their mail though lol

yeah but i bet its not lol, bt i know last time the guy tried to tell me i had a moral obligation to pay lol

hi,ive gone down the cpr route with this could people take a look and see what they think? i seem to be getting no where. http://www.consumeractiongroup.co.uk/forum/barclays-bank/168718-solution-financecard-barclays.html

to date ive had nothing, not even a phone call.

i had the same document, and to be honest i dont even remember doing an online application, im fairly sure we didnt have internet as we moved 3 days after the supposed agreement, there's nothing you can do thought just got to pay them,

reading with interest, im in the same position except i have 2 barclays accounts, i have an unenforceable agreement from one and nothing from the other (accept the standard t&c that everyone gets), just seen someone say they have to remove data from credit files etc. ive had 3 mail order comps tell me they dont have an agreement but they will still hold their information on my credit file??? can they do that ? could some one have a look at my threads or pm me? i dont want to steal someone else's thread lol

hi, ive just found your thread, i have 2 barclays accounts, (got my own threads) the first one has sent me the same t&c as yours, ive wrote to them and they ignore me! so will get a cpr to them, ive done a cpr for the other account and they did eventually send me my credit agreement, its totally unenforceable, ive wrote and told them so and guess what? they've ignored me. so cpr does work at getting your agreement. i think they dont send them out because they cant enforce them. i'll watch your thread with interest and see if you get further than me,

just to double check though,do the terms and conditions they sent me meet the cca requirements? see what i get from a cpr, it worked last time,

glad of all your comments, will let you know how i get on.

oh and i know you said dont speak to them but i couldnt get rid of her she was like a dog with a bone, she did tell me i need to ring barclays which i wont be doing. next time i'll have to be rude and just hang up on her.

omg, getting sick of this now, had a pushy woman from mercer on the phone, she's insisting that the terms and conditions are my agreement.?? i dont think it is. she has now said they are sending door step collections to my hous, ive told her i dont agree to it, my husband is very ill with depression. she said to expect it anyway, i will call the police if they turn up. she tried to force me into an agreement which i wont do. will get cpr letter drawn up tonight. grrr

im not counting on them removing it, they havnt actually said they will although they admit they have no agreement but i was told i cant make them with out going to court, only just got the letter so will give it a mnth and send for my report, i know it wont be pretty anyway lol

had a letter yesterday,saying they would take no further action on the account and would not be pursuing the debt. so is this a win for me then?

thats my next step, worked last time. will give it a try.

had a letter from mercer today. they are now handling the account. i rang barclays and asked why my letter had been ignored, they said they dont have it, pointed out i know they do because it was recorded delivery and they have told me they do have it. the woman then said anyway they have complied with my request, i said you sent me a shhet of paper with t&c on it she said that is all they need to send? spoke to mercer and explained they dont agree that my request has been met and are looking into it, ive printed the letter i sent again and am going to re send it to barclays stating the account is in dsipute and they have ignored my letter, im also sending the letter barclays sent me saying they had my first letter and £1 payment with the t&c they sent me, they now claim they did not get a £1 off me, when i have it in writting that they did. so im sending that and a copy of the letter i sent saying they had failed to comply, to mercer. should i also send mercer a cca or should i send in what ive got and wait and see what happens? oh and barclays also keep saying well you signed for it you agreed to pay it you used it. i keep saying where is the agreement to support that and they claim they dont need it?

ok sent a letter based on the fact the account is unenforceable. got a letter back from calder stating the account is being passed back to littlewoods and then being sold to a dca. spoke to calder on the phone as they never respond to any letters, they still havnt replied to my letter about it being unenforceable. they said they werent dealing with the account, littlewoods arent either apparently and keep passing me around. got put back to calder and the man insistes that the account is enforceable and that i have been misinformed. asked why i think its unenforceable i said it doesnt contain the prescribed terms. i also asked why the cca was half computer generated and half hand written. also mentioned they'd put my income as £55 000!! and put ppi and the account, which he didnt responded to, i then asked when i would get a response from my letter he said i wont get one! the account is set to be sold in 3 weeks. where do i go from here?