Barclaycard (M.Stanley) no response to CCA request - what next?

[noomill060]

Will you be sending slick's letter?

I have had no response at all from them after sending it.

I have to conclude that that they have no response to it, and that they do not deny the contents of this letter.

I believe that if they had an argument that they could prove otherwise, they would have done so.

[MajorPaine]

yeah, it's being posted today. I'm also stopping payments.

Will keep this thread updated

[noomill060]

Hi major.

I had a chat with a high up BCard person today about their failure to supply my MS agreement.

He said "they would have to ask MS for it."

So, it would appear they (Bcard) DONT HAVE THEM!!

[MajorPaine]

hmm, that's quite interesting, I was kind of hoping they would have "lost" a lot of documentation when Barclaycard took over.

I guess that does mean however that a CCA might turn up in a few months.

I've just missed my first payment on this card and am expecting the calls to begin soon.

Will of couse keep this thread updated

[noomill060]

Any PPI on this?

[MajorPaine]

no, never been one for PPI

[MajorPaine]

UPDATE

Received numerous text messages this week + a demand for payment in the post.

Just had a chat with a girl at B'Card and explained they are in default until such time as they provide the CCA. Asked her to put a note on the account accordingly...

[noomill060]

DONT talk to them. Just refuseto confirm your ID and say you dont discuss personal matters over the phone. Tell them to write to you.

[MajorPaine]

will do

[MajorPaine]

Getting daily calls from them now, every time I ask that they write to me and for them to make a note on the account to that effect

[samcam]

MajorPaine,

send them this:-

http://www.consumeractiongroup.co.uk...se-letter.html

If they continue to call after that, if you have caller ID, make a note of the number and tell them you've sent the letter and if they continue to call you WILL take further action.
Next time they do not answer the phone, but keep a detailed log of the time and date of all the calls (we used to get 3 or 4 every day starting at 8am through to about 8:30pm).

It's all ammo to use in any complaint to the FOS

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[Big Naughty]

Hi Major - great thread. I am in exactly the same position as you with 3 Barclaycards. I sent the CCAs out. 12+2 came and went. Nothing arrived in the post. Its nearly 30 days now so I too have stopped paying them. Phone is going mad!

I will keep an eye on this thread for further updates.

[samcam]

Big Naughty,

When you CCA'd them, did you include a paragraph stating that all communication must now be in writing only?

If so, make sure you log every single call (time and date) for later complaint about harassment.

Have a great New Year

[Big Naughty]

Hi samcam - yes I did. Got the template for that and the harrassment by phone from BRW thread some time ago.

Barclaycard call every morning on the house phone at 8.30am. Then immediately on my mobile when I don't answer. Then throughout the day up until 9.00pm and even on Sundays! They always leave automated voicemail messages so I know exactly who it is and how often they have rang.

Happy New Year to you as well, and everyone on CAG.

[Desperate Daniella]

Hi Guys,

I'm in the same position as you. Three BCs - one original, one MS and and one Goldfish. Sent CCAs on 11th November and told Mercers, etc., that I wasn't going to do anything until I got them. One of the Mercer's people admitted at the end of November that they had received the BC one and said he would chase it up and come back to me within 24 hours. Never did. On 18th December I received two replies from BC customer services - one for BC and one for MS. They just sent the current BC Terms & Conditions so I'm going to write back telling they have obviously not read the letter and I am still awaiting the original signed agreements. Goldfish (BC No. 3) - no response at all.

Happy New Year to you all too.

DD

[noomill060]

Pull the phone cable out of the wall before going to bed.

Plug it back in when you feel like it.

If you have charges on any card account, start the reclaim process. Once you get your claim served, the calls will stop.

[patrickq1]

He said "they would have to ask MS for it."

So, it would appear they (Bcard) DONT HAVE THEM!!
you will find noo that most agreements that MORGAN STANLEY have are APPLICATIONS ONLY and not a single agreement contract was issued for these type ,well that is befor 2003....
if thats of any use they are making demands on applications only and not on legal agreements
patrickq1

[noomill060]

indeed patrick

[rubio]

The company acting on behalf of myself with regards to my CCA's wrote to Thames Credit (as Barclays sold my debt onto them) asking for my agreement, they could not provide this and nor could Barclays, they wrote back saying they would wipe the debt off. I am now waiting for a letter saying how much I will be reimbursed for payments made and interest accrued.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[samcam]

OOOOOOOOhh I wish BC would wipe my debt - £12K!!