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 took out a credit card with morgan stanley, barclaycard took it over a couple of years ago.
I have cca'd them and they have sent back a letter which acknowldges my request. Attached are the letter, the first two pages and the last page of the terms and conditions they sent.
They state in the letter that they are sending the credit agreement 'under separate cover', does this mean that the other document they sent is not my credit agreement or have they mistakenly put them in the same envelope?
How long do I give them to come up with a proper credit agreement?
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.
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.
The whole point about making a CCA request is that you request sight of the credit agreement, so you can check if it is properly executed and enforceable.
BC's tactic of NOT sending out the actual agreement, but only their T&C's, is their way of denying you the opportunity to challenge the enforceability of the account.
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.
I went through the CCA farce with Sharkleycard- they sent me someone else's application form!
there was PPI on the account so I claimed it back as it was mis-sold for various reasons, and as they didnt have a credit agreement they couldnt prove otherwise. They wiped my balance.
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 a.k.a. Morgan Stanley
they sent.
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