Jason mnm -v- Barclaycard

[jason_mnm]

Hi Slick thanks again. By the by if I contact BC now, then I guess it will not be SB anymore by Oct 2017. I shall sent them a letter as you suggested. By the by I never requested credit agreements or default notice. As said earlier they never sent me default notice. If I sent the letter as discussed ,should I also request them to send the signed credit agreements and default notice? Many thanks.

[slick132]

Hi Jason,

 

You should make sure you do or say nothing that acknowledges a debt to BC, to avoid resetting the SB clock. Obviously, you would pay them nothing either.

 

Start the letter saying "I acknowledge no debt to your company."

 

I've no idea why you've never sent a CCA request but I see no point in doing it now. They'll just send you T&C's. It was discussed back in 2009 in post #17.

 

 

Roughly when was the a/c opened.

 

[jason_mnm]

Hi Slick,

The account was opened in July 1999.

 

By the by why there is no point of CCA. I thought they need to provide me a signed agreements to make the creditcard debt enforceable, am i right?

 

Thanks.

[slick132]

A CCA request may be an idea if you need to challenge enforceability.

 

However, at the moment you're dealing with the reporting of the account by the CRA's.