Barclaycard Reconstituted CCA

Sly72

DjangoUnchained said:

Sly72 said:

PRA are on the ball with this, as most debts are from Barclaycard supect they have something inplace. My advise is start to make a paymentt, use the website to do this and offer what you can afford, they seem to accept it.

when was your last payment to Barclaycard, is it defaulted are you paying anyting now?

Not sure i agree with that. having had a bcard debt sold to PRA.  I asked for the CCA, they supplied a bundle of papers, i simply wrote back saying that was inadequate ( i dont know whether it was or not) they said they were waiting for details from Bcard. They never came and i told them eventually it was statute barred, which they acknowledged, in writing.  Having spoken to someone in the know, it seems that barclaycard never pass CCAs on to pra, its part of their agreement with them.

All the info supllied has a copy of a letter from Barclay card who have supllied the info to PRA, note that someone in the know, may not be up to date.

Sly72

stu12345_2 said:

the statement they sent was from when pra took over the debt 2021, I said you have to produce one from day one, back to 2013 when I opened the credit card, which they then did for me

oh yes I mean I got the £50 compensation not cos of the lack of a full statement, but because when they sent me the ccca and their statement , they never said the debt was now enforceable, which they are required to state

they simply stated dear sir here are the documents you asked for

Do they have to suplly statements from day 1 ( Date account Opened ) can anyone advise?

stu12345_2

I think they have to supply A statement, but not sure how detailed, some of my creditors stated further details of all transactions are available on request when they only gave me 12 months worth.

but the point is the agreement and a statement must be produced 

DjangoUnchained

Sly72 said:

DjangoUnchained said:

Sly72 said:

PRA are on the ball with this, as most debts are from Barclaycard supect they have something inplace. My advise is start to make a paymentt, use the website to do this and offer what you can afford, they seem to accept it.

when was your last payment to Barclaycard, is it defaulted are you paying anyting now?

Not sure i agree with that. having had a bcard debt sold to PRA.  I asked for the CCA, they supplied a bundle of papers, i simply wrote back saying that was inadequate ( i dont know whether it was or not) they said they were waiting for details from Bcard. They never came and i told them eventually it was statute barred, which they acknowledged, in writing.  Having spoken to someone in the know, it seems that barclaycard never pass CCAs on to pra, its part of their agreement with them.

All the info supllied has a copy of a letter from Barclay card who have supllied the info to PRA, note that someone in the know, may not be up to date.

think you were unlucky. ive been told that part of the agreement barclaycard has with PRA and other companies  is that when they sell the debt on (literally between 5-10%) of face value, is that they wont be bothered afterwards for supplying further paperwork.

sourcrates

This is the wording of section 77 CCA:

(1) The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer:

a)the total sum paid under the agreement by the debtor;

(b)the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

(c)the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)(c), he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

So it depends what information they have available, they can provide what they have, and as long as they provide something, they still comply with sec 77(c) as long as they give the reasons why any missing information can`t be supplied.

They could if they wished, hire an expensive solicitor, and argue each point in court at great expense to the debtor, the reason they don`t do this is because of the cost, and the sheer number of clients that would emerge.

Its cheaper all round to just admit defeat and move on.

Debtfreejourney24

Thank you so much for your response. I’m really hoping they find nothing or just go away for the next 6 years 😂