vselym and patrickq1, you are both brilliant, I have the letters written and I will get them in the post today. I have written a SAR to MS, a CCA to both HFO and MS, a harrassment letter to HFO and a complaint letter to the OFT using the templates provided, we will see what happens from here. Cheers Robbler

Vselymn & patrickq1, Thanks for this, it is most appreciated, so I send a SAR to MS, a CCA to HFO and contact the OFT, I have an example of a SAR and I can right to the OFT, do you have an example of a CCA anywhere that I can use to contact HFO? Your help is most appreciated, for 18 months these b**tards have been trying to get me and they are starting to get me down. Cheers Rob

Hi Patrickq1, Thank you very much for this, it is most appreciated, what are CCA notices and SAR requests and what do they mean to HFO and Morgan Stanley? Cheers Rob

vselym, Thank you very much for this, I will try the OFT. Is there anyway that I can get my story out in the open, maybe damage Morgan Stanley for the b**tards they really are? Cheers Robbler

Hello, This is my very first post, I hope somebody can help me. I received a letter from Morgan Stanley in October 2006 stating that they had accepted a partial settlement on my credit card and that payment had been received. tHey also told me that they would not chase me for the outstanding debt. I received 2 letters from Morgan Stanley soon after this requesting payment or court action would be taken. I sent them a copy of the letter dated October and nothing else happend. In February 2007 Moorcroft contacted me stating that they were going to commence legal action unless I paid the debt to Morgan Stanley. Once again I sent the October 2006 letter and I had no response. This month HFO contacted me giving me 7 days to pay my debt to Morgan Stanley else they would commence court action against me, again I sent back a copy of the October 2006 letter. HFO now appear to be dropping the case against me but I want to nail Morgan Stanley if possible. They have caused me and my family unnecessary stress and have not done what they said they would do in 2006. Does anyone know of anything I can do against Morgan Stanley to obtain compensation and give them the kick up the backside that they require? Also how much compensation could I claim, if any? Thanks in advance The Robbler