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    • It is known as bodily injury and property damage liability ,your motorbike liability insurance covers the cost of liability ,claims and legal fees up to your policy are you in fault in an accident.
    • Tell the friend that the Bank may be able to sell the house, after repossession is granted and could sell it for a much reduced price. Your friend could stand to lose hundreds of thousands of pounds.   Why does your friend not borrow the money or sell goods to raise the money ? Are there goods in the house, such as furniture, that could be sold to raise money ?
    • I haven't checked with the Land Registry but assume the charge is still there.   I have no knowledge of SB rulings but read:   For most types of debt in England, Wales and Northern Ireland, the limitation period is six years. This applies to most common debt types such as credit or store cards, personal loans, gas or electric arrears, council tax arrears, benefit overpayments, payday loans, rent arrears, catalogues or overdrafts. There are some exceptions though: Mortgage shortfalls have a longer limitation period of twelve years for the money you borrowed (the ‘capital’), while the interest charged on this has a limitation period of six years
    • This situation has reared its head again Friend had such luck (through my efforts) at the start of the year to get the bank to clear the service charge debts and add them to the mortgage. Friend ended up having a slightly larger mortgage but at really low interest rate. And the freeholder got their service charge money.   But friend has had head in sand all year.  And has now failed to pay the bank one payment all year!!  It is so infuriating.    With costs, friend now owes apx £1500.   So the bank re-opened the original claim of the freeholders - which they paid off - and have now got a Judgment against friend.  With a repossession hearing in a few weeks.... The value is apx £1.5m.   The mortgage is like £100k.   (About £100/m).   Now Judgment for owing £1500 on a £1.5m property.   I have been telling friend all year to make payments.  Now friend really needs to make a payment.   Still absent overseas.   Additionally - another set of service charges are due now   I won't let these people take the property - but I don't know how to help.   I told friend to pay the mortgage and ask the bank to pay the service charges again.  And in the meantime find a better solution - such as selling an asset.  But nothing has been done at all in the last 9 months.   Any good suggestions?      
    • moved you to the bh forum plenty to read here:   like https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=brighthouse sold item&oq=brighthouse sold item&gs_l=partner-generic.3...7889.15692.0.16208.21.21.0.0.0.0.113.1591.20j1.21.0.gsnos%2Cn%3D13...0.7807j5246289j21...1.34.partner-generic..21.0.0.jn7G89f5l50
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ellis01

link/kearns claimform - Old Morgan stanley Card - chasing again

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I've updated the docs1 in post 46 with the full MS T&C's

there no name or indication of date on those [usually little letters around the edge boarder]

so they could have come from anywhere


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Hello dx, 

There is something on the very last page bottom right hand corner of MS tc's that looks like it could be a date. 

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yes it is but no name or address on it.

 

the M+S form is an application for the card and in IMHO illegible

doesn't appear to contain all the required prescribed terms.

and doesn't appear to relate to any external T&C's which is important as a credit agreement would.

 

the BC T&C contain your details and are from 2012 but are the std 620000 T&C most DCA's roll out to a BC CCA request

and ofcourse DID the MS card change to a BC card at that year/date 

I doubt it.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The copy I have of the MS application form is better than the scan copy although a bit distorted I can make everything out that is on the top half. The bottom half is harder. Are you able to post a link to a list of the required prescribed terms?

I have been reading lots of previous threads all of them closed is this why I am unable to open and view any of the attached uploads? I am trying to find examples/copies of unenforceable agreements or even a MS agreement of a similar date to mine.

 

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done a bit of work

there are quite a few here

many were lost when we had a virus attack many years back.

 

search now

click the top red banners CAG squares logo

then use the custom google search 

 

morgan stanley

 

you'll find none are enforceable

esp with relation to T&C's no'16'

mentioned on  the front sheet

 

renders the application form devoid of some of the required prescribed terms

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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