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Morgan stanley/ Barclays


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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.

Edited by grp40
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Hi Grp and welcome to CAG.


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.


First off, if you don't have all statements for the a/c for the last 6 years, send off £10 with this - http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-


Also, send this as a separate letter with £1 - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter


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.



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