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.
barclaycard sent me back a proforma relating to Morgan Stanley bank (whom they took over) with no signatures and talking about 2 different types of card, ie, standard and platinum, with 2 different apr,s. I say that is unenforcible, cos the actual interest rate of my card is unspecified and the rate of the lower one is more than 0.1% less than the higher one. Has anyone thought of that before?
barclaycard sent me back a proforma relating to Morgan Stanley bank (whom they took over) with no signatures and talking about 2 different types of card, ie, standard and platinum, with 2 different apr,s. I say that is unenforcible, cos the actual interest rate of my card is unspecified and the rate of the lower one is more than 0.1% less than the higher one. Has anyone thought of that before?
I've moved you posts into your own thread to avoid hijacking another.
They've send you their usual response to a CCA request - T&C's and a statement of account.
Your response should be to put the account in dispute because of their failure to supply your credit agreement as requested. Here's a letter you could adapt and use - http://www.consumeractiongroup.co.uk...ml#post1821561
Read through other threads here in the BC forums to see what is going on with many similar cases.
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.
Pizemirth -v- BC (Morgan Stanley)
rate of my card is unspecified and the rate of the lower one is more than 0.1% less than the higher one. Has anyone thought of that before?
Reply With Quote
Re: Barclaycard CCA request
Originally Posted by Pizemirth
