Please Help With Barclays Partner Finance, Do I CCA?

redmanmark86

Hi everyone,

Today i recieved a letter from Barclays Partner Finance even though i have never had a loan with them, it was for an outstanding amount of money plus a shocking 500 added in default sums???? (ive attached a copy of the letter, ok i would of but i cant as it still says im a new member so can't link to imageshack, any help?)

The only thing i can relate this debt to is one from like 3 or 4 years ago when i got a computer with TIME before they went bust under their 12 months buy now pay later... But it was with a totally different finance company and the sum was in dispute, they were called Clysdale Finance i believe.

Originally when i asked for the computer they sent it to me without me ever signing and sending back the credit agreement, 6 months later they asked me to sign it again but i never responded however i did recieve their product and paid it of in full within the 12 months. However the finance company said i hadnt paid in time and added a rediculous amount of interest to the machine, basically twice the price of the computer. i refused to pay it and told them they wont ever getting a penny out of me as they were lucky they got what they did without the credit agreement...

As time passed on i believe Clysdale Finance were bought by someone else, and then someone else... im not sure... I didnt hear nothing for like a year and then suddenly that came through the door and i don't know what to do and i am not paying it since i dont owe it, especially the default sums...

Any help is greatly appreciated.

P.S.

I just did that free credit report thing with experian and it is indeed Clysdale Finance, it says it was created 01/04/2007 but i know i got it in 2006... Oh and another interesting thing is that its not in default, its satisfactory on my report and still shows Clysdale Finance... Though it would be great to get it removed since it says i owe over 1000 when i dont... And the fact Barclays say im in default but havent acknowledged it with experian confuses me, if that makes any sense?

boredofbeingathome

I would send off for a CCA and see where to go from there.

redmanmark86

ok, ive started a CCA but i don't if its section 77 or 79 because all the letter says is, Balance brought forward and Loan Agreement at the top but i thought if you get a PC through someone like Time or PC World on their finance its a hire agreement...

also i don't know if i need section 175 or not as the original creditor was Clysdale who were bought by BPF, does the name change matter?

Thanks for the help... i just don't want them using small things as a get out clause...