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.
can anyone help, i had a morgan stanley credit card which i took out in sep 2005, they then transfered it to goldfish , i asked for my credit agreement in august 2008 , i recieved a 1 page application form, that is unreadable,, ,, since then it has now been taken over by barclaycard, who have sent me an enlarged copy which is still unreadable,, with a set of BARCLAYCARDS terms and conditions ,, i firmly believe they can not do that ,, can anyone help???????
i would take a look at the barclaycard threads as there is a lot of others in similar positions to you
if you read a few of the barclaycard threads or do a search for barclaycard lots of threads should appear
this forum will help you understand so much but its gaining knowledge all the time that will really help you
good luck laters angel x
Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.
my new motto is,,,",Taking back control of your life and home - such peace is priceless"
This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel
Its much easier to give advice on something if we see it first. Scan it up the more eyes the better. Barclaycard are probably the hardest to make any headway with but you have a good chance they don't have a compliant cca.
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.
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.
hi barclaycard have sent me a bundle of papers with interest charges and late payment charges , it does not show any transactions for the account, and thats all is this all they have to provide me with???
They must provide you with a list of all transactions on the a/c, along with all other data they hold for you. But generally they just send out copy statements. They never send the credit agreement, although they should.
Read the Reclaiming Guide at Link No1 in my signature below.
If you don't have enough data from them to do this, see here - http://www.consumerforums.com/resour...mplate-letters- You can add in this letter that copy statements will suffice and would they also supply a copy of your credit agreement as required under the Data Protection Act in response to your SAR. (It's worth a try at least )
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.
barclaycard!!!!!
,, i firmly believe they can not do that ,, can anyone help???????
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