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.
I had a number of cards one of them being Morgan Stanley, I opened this account in 2002 got into financial difficulty and went into arrears.
Around 2006/2007 the account was passed to Moorcroft and I came to an agreement to pay £90 per month ( the balance was around £4500), I made payments until october 07 then made no further payments until feb 08 after this last payment I received a letter from moorcroft stating they were no longer dealing with my account.
I have not received any phone calls as I have changed my phone number and have not received any statements from Morgan stanley/goldfish/barclaycard since before november 06. I did receive a statement from Moorcroft in November 07.
I did receive a letter from barclaycard notifying me that they had taken over Goldfish and I would start to receive statements from barclaycard with effect from 22nd september 08 but I have never received any statements.
In sept 08 I received a default notice from Mercers stating my balance (approx 5200) and amount due approx 1200 which I had to pay by early oct, I ignored this and have not heard anything from them since.
I am not sure what to do now, I was intending to make payments to the account whenever possible but after finding this site I am wondering if i should take other action I have had late payment and overlimit charges added to the account which could be considerable.
Read other threads here in the BC forum and you'll find loads of them addressing similar issues to yours - ie reclaiming charges and seeing if the a/c is enforceable.
Both can go off in the same envelope to BC's Northampton address by Recorded Delivery. print your name on the letters, or sign as usual with a bold line through the signature so they can't "lift" your sig're.
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.
Morgan stanley/ Barclays
as I have changed my phone number and have not received any statements from Morgan stanley/goldfish/barclaycard since before november 06. I did receive a statement from Moorcroft in November 07.
Reply With Quote
