Barclaycard unable to provide credit agreement

allycar12

As part of the PPI process, I asked Barclaycard for a copy of my credit card agreement. I owe money which I am paying back every month. However, they have written to say "we are currently unable to provide a copy of credit agreement entered into. We accept we are therefore prevented from enforcing agreement". They have suspended my account because they feel there is "significantly increased risk" I will cease paying (I have always paid on time), but say I should continue to pay or they will take action short of enforcement. What is the significance of Barclaycard not being able to give me a copy of our agreement? Why do they feel I will stop paying and should I stop paying. Have I got a reason to complain further.
I am unsure of my next steps and I would be grateful for any help and advice. Thank you.

Tixy

Until they provide an agreement is legally unenforcable - ie they cannot take you to court to obtain a CCJ etc.

They think you might stop paying because a lot of people who are struggling with debt repayments (and some who are not but are trying to avoid repaying their debts) ask for a CCA and then if it cannot be provided do stop paying, knowing they cannot be taken to court.

If you do stop paying they would mark your credit file with missed payments and then in a few month a default marker - for some people this isn't a major issue (if they already have a poor credit history or perhaps are facing bankruptcy as an alternative or simply don't care about getting credit again).

So most banks now include something like the sentance above that you received - which means we can't make you pay but if you don't we will chase you and wreck your credit file. And if we provide you with the document at a later point we then can pay you pay (ie take you to court).