Morgan Stanley CCA- received Barclaycard terms in response**WON, THEN WON AGAIN!!!**

[noomill060]

OK dood, cheers!

 

Is it acceptable, apart from that?

 

I wanted to give them plenty to think about and get all my gripes over with in one go.

 

(Always seems a bit OTT, quoting great tracts of legislation but my local DJ deals with Small Claims by asking questions, she doesnt allow you to make speeches, well she does, but you need to be able to string a coherent sentence together!

 

I've noticed that she always has a copy of Halsbury's on the desk in front of her.

[tryintogetby]

Hi ,this is interesting ,me and my oh are having probs at the moment and are currently on a dmp with cccs ,my oh is the same ,had a credit cardwith morgan stanley ,went to goldfish ,we then had difficulties and made payments through cccs ,he has a huge balance,got a letter saying took over by barclaycard but since making payments through cccs have not had one single statement ,not any ponecalls nothing ,do you think it is worth sending a cca ,thanks

[noomill060]

Answered on your thread, tryingtogetby.

[Desperate Daniella]

Hi Noomill060

 

I am in the same position as tryingtogetby with MS/Barclaycard. I can't seem to jump to their thread in order to get your reply. Can you tell me how to do this please.

 

I had a call from Barclaycard yesterday evening re my cards for MS and Goldfish and when I said I had sent letters asking for copies of the agreements which I am entitled to under CCA s78, she said she would hold all charges for 14 days. I think someone else had the same response. If they cannot actually produce these agreements, can they get them enforced at all?

 

Thanks.

[noomill060]

Short answer - no, without a signed credit agreement complying with the consumer credit act, no court can order enforcement.

 

You have nothing to lose by making a CCA s.78(1) request for your credit agreement.

 

Chances are, even if they have it, it probably wont be enforceable.

[Desperate Daniella]

Thank you. From other posts here it appears no-one has actually received one of the MS agreements, so I'm hoping they don't have mine either..

[noomill060]

Best to start a thread of your own, DD.

[Desperate Daniella]

I tried to start another thread on another carda and was told by the moderators that I had had an answer so not relevant to start a new thread. If I can start a new thread, what would you think it should be headed that isn't going to be on this thread. Confused. Thank you for your help.

[pt2537]

I tried to start another thread on another carda and was told by the moderators that I had had an answer so not relevant to start a new thread. If I can start a new thread, what would you think it should be headed that isn't going to be on this thread. Confused. Thank you for your help.

Hi

 

which mod told you that ?

 

it is best to start your own thread that way people can help, advise and follow your case. it is also considered hi jacking if you start posting on someone elses thread as their issues end up getting muddled with other peoples

[Desperate Daniella]

I am new to this site. I hit 'new thread' and got a message saying I couldn't start one - can't remember the terminology- not authorised or whatever. Then I sent in an email and got a reply saying I had already had a reply to my question. I didn't know each question had to have a thread for one person - sorry - I thought we were all sharing experiences, and I have shared my experiences hoping to give info to other people.

[noomill060]

Desperate Daniella v Morgan Stanley/Barclaycard

 

 

Have another go.

[noomill060]

Still getting idiot collection calls from BCard.

[Desperate Daniella]

Cheers, Noomill060. and good luck. Today has been the first day in I can't remember how long since I had not had a call from Barclaycard/Mercers/and the other lot they work with. All day and no calls!!!!!!!!

[noomill060]

Oh, they'll be back.

 

Next time just refuse to confirm your ID and politely tell them to write to you instead. Thank them for calling, say good bye and hang up.

 

If the calls are silent, report them to Ofcom.

[Desperate Daniella]

Thanks for the tip. Night, night.

 

DD

[angry cat]

Well, as we all know, BCard bought a truckoad of Lemons from MS;

Bet MS were so pleased to get shot of them!

 

 

AC

[noomill060]

MS flogged all their UK credit card lemons to Goldfish last June, Goldfish palmed them off on Barclays for £17million.

 

I guess you get what you pay for!

[noomill060]

Still getting Scouse-a-Matic calls from Mercers, I mean Barclaycard.

 

*waves at Barclaycard*

 

Strange they dont want to write to me.

 

Not one Threat-o-Gram or even a postcard.

[noomill060]

Received Small Claims pack this morn, Barclays will have received theirs as well.

 

See you in Court, Barclays. Merrie Crimbo.

[pt2537]

go get em noomill:)

[noomill060]

Will do PT.

 

But hark, the phones rings this morn- 'tis a BCard elf making demands for monies allegedly owed!

 

Are these calls now attempts to pervert course of justice?

[noomill060]

hi griffin

[griffin036]

Hi noomill - just lurking on threads I have a vested interest in, best of luck with your claim.

[noomill060]

[noomill060]

Now then, now then guys and gals. Hows about that then?

 

* warbly Jimmy Saville Radio 1/TOTP type vocal c1973*

 

Today I received no less than two letters from our friends at BCard.