Barclaycard/1st Credit CCA or application

[Btanda]

Hi newbie here - could anyone help and let me know if these documents from Barclaycard re a CCA are enforceable please. I have read your agreements vs Applications thread, however just wanted some clarification if possible.

 

They have come from 1st Credit who have been an absolute nightmare and I have now sent them the harrassment letter, and the calls have eased off slightly, however when I submitted the SAR request this is all I have received so far to 1st Credit.

 

Could you let me know if this is a valid CCA

 

Would really appreciate the help.

Many thanks

 

http://www.viperstudios.com/error/1.jpg

 

http://www.viperstudios.com/error/2.jpg

 

http://www.viperstudios.com/error/3.jpg

[supasnooper]

Hi there,

 

As the interest rate, a term to define the credit limit, how repayments are structured and your signature are present on the application form then it would be enforceable.

 

Have a look at these links which may help you understand the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

 

 

 

 

Consumer Credit Agreements

Edited August 18, 2009 by supasnooper
extra info

[cerberusalert]

Have you received a Default Notice & Termination Notice?

[Btanda]

Hi Guys - first of all thank you.

 

I think Barclaycard would have defaulted me as I could not repay my monthly installments for 3 months, hence the reason 1st Credit now have the debt. Ist credit have sent me a letter saying "we attach an edited copy of the signed agreements" I am not sure what this means. They have also sent me a letter of assignment from Barclaycard to 1st Credit. There have been significant charges onto this account which I am reclaiming back so this will reduce my debt. 1st Credit keep changing the amount I owe so I have sent them the £10 and am awaiting the SAR information.

 

Thanks for your help - it is most appreciated.

[cerberusalert]

Barclaycard should have sent you a Default Notice which would have allowed you to remedy the a/c, hopefully it might show up in your SAR.

[Btanda]

Thank you cerberusalert - I did not realise that

 

I did sent them a SAR request on the 29/7 but just received the CCA above documents.