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Reconstituted CCA from Barclaycard
Hello all,
I issued CCA request to Barclaycard.They have responded with reconstituted agreement which states as follow:
I refer to your request for information dated 12/06/14. The information we must provide to to you under the terms of Section 78 of the Consumer Credit Act 1974 is prescribed by the Act and the Consumer Credit Regulations 1983. Section 78 of the Act provides that where creditor receives a Section 78 request the creditor shall give the debtor a copy of the executed agreement and the statement of account.
I enclose a reconstituted copy of your credit agreement and a copy of terms of your credit card as varied in accordance with section 81 of the Act. However the interest rates fees and charges set out in the agreement may differ from those we have discussed with you due to current status of your account.
A statement of your account is below:
[LIST] the current credit limit on your account is £3400
[LIST] the current balance of your account is £2591.19
[LIST] the next payment of ..will be due on 9/07/14
we know that your account is not in dispute because of any delay in providing your copy documents as Section 78(6) was repealed on the 31/05/2008. It is no longer an offence for creditor to fail to comply with s78(6) for more than one month.
You refer to the Consumer Protection from Unfair Trading Regulations 2008, we do not accept that there is basis to assert that we have not fully complied with our obligations in this regard.
I am fully satisfied that the sum outstanding by you remain legally due and payable.You should to continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement. If you do not we may register a default against you with credit reference agencies, although we will formally notify you before doing so.
This completes our obligations under Section 78 of the Act.
They also included a few sheets of terms and conditions.There is my name and address on those terms and conditions but no date.
Any advise is much appreciated as always.
Thank you
I issued CCA request to Barclaycard.They have responded with reconstituted agreement which states as follow:
I refer to your request for information dated 12/06/14. The information we must provide to to you under the terms of Section 78 of the Consumer Credit Act 1974 is prescribed by the Act and the Consumer Credit Regulations 1983. Section 78 of the Act provides that where creditor receives a Section 78 request the creditor shall give the debtor a copy of the executed agreement and the statement of account.
I enclose a reconstituted copy of your credit agreement and a copy of terms of your credit card as varied in accordance with section 81 of the Act. However the interest rates fees and charges set out in the agreement may differ from those we have discussed with you due to current status of your account.
A statement of your account is below:
[LIST] the current credit limit on your account is £3400
[LIST] the current balance of your account is £2591.19
[LIST] the next payment of ..will be due on 9/07/14
we know that your account is not in dispute because of any delay in providing your copy documents as Section 78(6) was repealed on the 31/05/2008. It is no longer an offence for creditor to fail to comply with s78(6) for more than one month.
You refer to the Consumer Protection from Unfair Trading Regulations 2008, we do not accept that there is basis to assert that we have not fully complied with our obligations in this regard.
I am fully satisfied that the sum outstanding by you remain legally due and payable.You should to continue to repay the outstanding balance owed on your account in accordance with the terms of your credit agreement. If you do not we may register a default against you with credit reference agencies, although we will formally notify you before doing so.
This completes our obligations under Section 78 of the Act.
They also included a few sheets of terms and conditions.There is my name and address on those terms and conditions but no date.
Any advise is much appreciated as always.
Thank you
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