Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



+ Reply to Thread
Results 1 to 5 of 5
  1. #1
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Harrassed09 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    113

    Default Re: BARCLAYCARD is CCA ENFORCEABLE? Morgan Stanley, Mercers

    My oh received a similar cut and paste job from Barclaycard (originally Morgan Stanley application and card) - I started my own thread 'Morgan Stanley - Bcard' but am interested to see a similar application to ours.
    Again on A3 and the 2nd page does not relate to the first page.
    We wrote back to Barclaycard - Legal and Regulatory compliance - no response yet- 3 weeks
    We mentioned in letter the absense of 'condition 16' on the 2nd page of supposed terms and conditionsicon and also the illegibility of the document, not sure what the next step it.
    Slick132 mentioned doing a SARicon and investigating penalty charges, can we do that if we are contesting the existence of a compliant CCA? I don't want to be too cheeky but the telephone callsicon are now incessant and the callers quite threatening.
    What is our next step?


  2. #2
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060 Authoritative noomill060's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2006
    I am in
    a jacuzzi with Bananarama. I have not lived in Bolton since 1986
    Posts
    6,823

    Default Re: BARCLAYCARD is CCA ENFORCEABLE? Morgan Stanley, Mercers

    Yes- SARicon them.

    Do not talk to them on the phone, just refuse to confirm your ID. Thank them for their call, then hang up.


  3. #3
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Harrassed09 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    113

    Default Re: BARCLAYCARD is CCA ENFORCEABLE? Morgan Stanley, Mercers

    Thanks, SARicon is £10 and will do tomorrow

    When I get the statements should I collate for a charges claim or how does it work, I can't see logic of claiming agreement unenforceable then claiming charges - or then again maybe I can.

    What is the norm?


  4. #4
    Site Team slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132 Authoritative slick132's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Feb 2007
    I am in
    Planet Thanet, Kent
    Posts
    16,326

    Default Re: Harassed09 -v- BC (old Morgan Stanley a/c)

    Hi Harassed,

    I've moved these posts into your own new BC thread to avoid hijacking. Keep us updated here.

    You should work on the basis that they MAY produce a valid agreement, until you KNOW otherwise.

    You keep your options open by tackling the issue of reclaiming charges as well.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.

  5. #5
    Basic Account Holder
    Help the CAG!!
    Download our toolbar
    Harrassed09 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Jan 2009
    Posts
    113

    Default Re: Harassed09 -v- BC (old Morgan Stanley a/c)

    Thanks for the advice much appreciated



Browsealoud
Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE