Barclaycard issues reconstituted agreement , with demand for payment

[intree]

BARCLACARD HAVE NOW ASSIGNED 3 CREDIT CARDS TO ONE DEBT WITH A TOTAL VALUE OF 7K TO MARLIN CAPITAL UK, they have now demanded payment forthwith by indicating that the agreement has now been provided, (reconstituted) for a 3 credit cards for which they never were able to supply a agreement in the last 5 years. cards are from 1987, 1999 and 1998

 

DO I now write to Marlin or wait for them to commence court proceedings which they have threatened in 7 days?

 

Thank you

[batty69]

There's a big problem with this, for these dates Barclaycard didn't use a CCA, just application forms with tick box to say you agree with CCA 1974.

 

So big question, how can you reconstitute an agreement that never existed in the first place ?

[Dotty50]

Hi Intree,

 

I too have received a letter from BC today, assigning a debt to Marlins.

 

I've not had any dealings in the past with Marlins so can't comment on their tactics but I am sure there will be other Caggers that can assist if required.

 

The problem I have is that I don't know the reference that they are quoting so I will have to send a CCA request back to see what they produce, that will take some time though as BC are renowned for not sending anything!