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    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
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    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
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Is it a trap...?

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Hi guys have CCA'd a DCA, back in April, and have not been sent this yet so am assuming they do not have it, however, I have also recieved a letter from the orginal lender just last week regarding PPI which was added to the loan account, they want me to advise them if I feel I was mis-sold this...!!!


The timing of the whole thing seems peculiar to me, as the lender want me to respond within 14 days, so just wanted to find out if this is some sort of ploy by the orginal lender which will affect the enforceability of a CCA...? Or am I being paranoid?!!


I was mis-sold the PPI so do wish to re-claim this, however only if it does not affect my current CCA request etc.... can anyone please advise?

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Go ahead and ask for the PPI back

What was the CCA for? Charges?

It's 2 separate issues anyway so it shouldn't affect each other



Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p



I have been smoke-free for 4yrs

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Claim Back Ppi


Do The Sums Add Contractual Interest And Compound It.

Id quot circumiret, circumveniat.


please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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So I take it the CCA enforceability issue won't be affected by this then? The CCA is for a loan agreement, my purpoise for CCA-ing is not to have my debt written off raher to put me in a much stroner position whilst negotiating full and final with creditors...

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well if the ppi is on the loan then they might well take that off the outstanding bal.


please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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The fact that PPI was mis-sold and the fact that the agreement for PPI was on the same document as the credit agreement, probably means that the entire combined agreement is unenforceable as PPI premiums will have been added to the debt balance, then interest charged on the PPI premiums means that any prescribed terms (which may or may not be on the credit agreement, which may or may not even exist) are wrong.


If the PTs are in anyway mis-stated the agreement is enforceble only by a court, which would be barred from doing so by virtue of s.127 of the consumer credit act.

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I royally shafted Barclaycard in this way and the debt was wiped.

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The letter you received is the bank attempting to bolt the stable door hoping you dont know about this.


A lot of banks have been told to send letters to customers regarding PPI mis-selling. I wouldnt read too much into it.


What you should do is read my Morgan Stanley thread ;)



Edited by noomill060

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Have you got all your statements?


If not, get them as your PPI premiums will be on them.


In the meantime write to your bank thanking them for their recent letter and tell them you will investigate and in the event that you believe that PPI was mis-sold they can expect further communication in due course.


Also inform them that you require all copy statements. you could include a SAR in with this letter.

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Just finished reading your thread noomill....loved it....Braclays is also on my list of things to do....!!!!!

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Morgan Stanley

Code of Ethics and Business Conduct






This Code of Ethics and Business Conduct ("Code of Ethics" or "Code") is a statement of our commitment to integrity and high ethical standards in all that we do at Morgan Stanley. This Code of Ethics defines the standards of conduct that we expect from our directors, officers and employees to help us make the right decisions in the course of performing our jobs. Officers and employees should read it together with other applicable Firm policies and procedures, including particularly the Code of Conduct.


The Code of Ethics does not cover every legal or ethical issue that you may face at Morgan Stanley. Indeed, no code can attempt to anticipate the myriad of issues that arise in a business as diverse and dynamic as ours. However, by following this Code of Ethics and our other policies and procedures, by adhering to the letter and the spirit of all applicable laws and regulations, and above all by applying sound judgment to your activities, you can demonstrate your commitment to our business principles - lead with integrity, put clients first, win in the marketplace, think like an owner, and keep your balance.


Reporting Misconduct


Our reputation for integrity depends upon you. You are our first line of defense against civil or criminal liability and unethical business practices. If you believe you may have violated the law or our policies, you must promptly notify your supervisor or the Legal and Compliance Division ("LCD"). In addition, if you observe or become aware of any illegal, unethical or otherwise improper conduct relating to Morgan Stanley, or conduct that could have an impact on our reputation-whether by an employee, supervisor, client, consultant, supplier or other third party-you must promptly discuss your concerns with your supervisor or LCD.


If the discussion does not resolve the concern or if you would prefer to report the concern through other channels, you should follow the procedures set forth in the Code of Conduct. In particular, you may call the Integrity Hotline to report concerns about matters, including accounting issues, that do not involve your employment relationship with Morgan Stanley or discrimination or harassment (for those issues, please refer to the applicable Non-Discrimination and Anti-Harassment Policy or Dignity at Work Policy). Concerns may be reported confidentially and anonymously.


If your concerns relate to the conduct of the Chief Executive Officer, any other senior executive or financial officer, or a member of the Board of Directors, you also may report your concerns to the Chief Legal Officer or the Director of Internal Audit. As appropriate, they will notify the Board of Directors of the allegations. Concerns involving the Chief Legal Officer or the Director of Internal Audit should be reported to the Board of Directors.


If you are a supervisor, you have an additional responsibility to take appropriate steps, in consultation with LCD, to stop any misconduct that you are aware of and to prevent its recurrence. Supervisors who do not take appropriate action may be held responsible for failure to supervise properly.


Non-Retaliation Commitment


Our continued success depends on the open communication of concerns by all without fear of retaliation. Morgan Stanley prohibits retaliation for reports or complaints that are made in good faith regarding the misconduct of others.


Consequences of Violating the Code of Ethics


If you are an officer or employee, this Code of Ethics, including any future amendments, forms part of the terms and conditions of your employment at Morgan Stanley. It also covers your obligations to Morgan Stanley should you leave the Firm. The Code of Ethics is not a contract guaranteeing your employment for a specific duration or entitling you to any special privileges or benefits.


Directors, officers and employees are expected to cooperate in internal investigations of allegations of violations of the Code of Ethics and our other policies. Actual violations may subject you to the full range of disciplinary sanctions available. We also may report activities to our regulators, which could give rise to regulatory or criminal investigations. The penalties for regulatory and criminal violations may include significant fines, permanent bar from employment in the securities industry and imprisonment.


Waivers and Amendments


Any waivers of the provisions of this Code of Ethics for directors or executive officers may be granted only in exceptional circumstances by the Board of Directors and will be promptly disclosed to our shareholders.


Amendments to this Code of Ethics also must be approved by the Board of Directors. It is your responsibility to be familiar with the Code of Ethics as it may be revised from time to time.








We are committed to a work environment in which all persons are treated with dignity and respect. It is our policy to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, age, gender, gender identity, sexual orientation, national origin, citizenship, disability, marital and civil partnership and union status, pregnancy (including unlawful discrimination on the basis of a legally protected pregnancy or maternity leave), veteran status or any other characteristic protected by law. We expect that all relationships among persons in the workplace will be business-like and free of bias, harassment and violence.


Misconduct, including discrimination, harassment, retaliation or other forms of unprofessional behavior will not be tolerated. You are required to comply with the Non-Discrimination and Anti-Harassment Policy or Dignity at Work Policy for your jurisdiction, as applicable. These policies include mandatory procedures for reporting discrimination or harassment.








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Conflicts of Interest


Our various conflicts of interest policies address business transactions, conduct and practices that give rise to actual or potential conflicts of interest. Our Global Policy on the Identification and Management of Conflicts of Interest describes the framework by which Morgan Stanley identifies and manages conflicts and the types of conflicts to which we should be alert.


Directors should disclose any actual or potential conflicts of interest to the Chairman of the Board and the Chief Legal Officer, who will determine the appropriate resolution. All directors must recuse themselves from any Board discussion or decision affecting their personal, business or professional interests.


Potential Business Conflicts


Conflicts of interest may arise as a consequence of our interests and our relationships with multiple clients, counterparties and suppliers around the world. Conflicts, for example, can occur between different clients and between clients and Morgan Stanley itself.



Officers and employees are responsible for:

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In particular, officers and employees must promptly notify their supervisor or LCD if they become aware of a conflict of interest between Morgan Stanley and a client who is apparently relying on our advice or services without disclosure of the conflict.



Whenever possible it is up to supervisors to manage conflicts they identify or that are escalated to them according to our policies and the procedures of their business unit. There may be occasions, however, when a conflict is not addressed by our existing policies or is potentially significant to an individual business unit, cross-divisionally or to Morgan Stanley as a whole. Such matters must be raised promptly with either a manager, relevant Conflicts Management Officer or regular contact in LCD.


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Your responsibilities may expose you to situations that potentially raise personal conflicts of interest. A conflict of interest may arise, for example, if you or a family or household member has an economic or personal interest that differs from (or that appears to differ from) that of Morgan Stanley, our clients or our shareholders.


Avoid any investment, activity, interest or relationship outside of Morgan Stanley that could impair your judgment or interfere with (or give the appearance of interfering with) your responsibilities on behalf of Morgan Stanley, our clients or our shareholders. Business opportunities that arise because of your position, or by using corporate property or information, belong to Morgan Stanley first and foremost.



While it is not possible to describe every situation in which a potential conflict of interest may arise, the following are examples of situations that may raise a conflict of interest:

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Officers and employees must promptly report to their supervisor or LCD any investment, activity, interest or relationship (including those involving family and household members) that reasonably could be expected to give rise to a conflict of interest or appearance of a conflict. Involvement in certain outside activities also may require the prior approval of Morgan Stanley (particularly for licensed persons).



Officers and employees should consult the policies applicable to their business unit, department, or region for specific reporting and approval procedures.


Directors and executive officers are required to comply with the Related Person Transactions Policy, which sets forth Morgan Stanley's framework for approval of transactions involving our directors and executive officers, and certain persons and entities related to them, and Morgan Stanley.


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Giving anything of value, including gifts or payment for travel and entertainment, to government officials may be limited or restricted by law. Many countries have adopted anti-bribery statutes that prohibit giving anything of value to "government officials" in order to secure an improper business advantage. The term "government official" is broadly defined and includes any officers or employees, agents, advisors or consultants or any individuals acting in an official capacity on behalf of government-controlled agencies or enterprises, public international organizations, as well as political parties and candidates. In addition, many government entities in the U.S. have rules that severely limit or restrict the acceptance of gifts, travel, and entertainment by their employees. Employees must check with their supervisor and the Anti-Corruption Group in Compliance to review any pre-approval guidelines for their region or business unit before giving gifts, entertainment or anything else of value to a government official.


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Our Policy on U.S. Political Contributions and Activities prohibits political contributions by officers and employees to state or local officials or candidates for state or local office in the United States if those contributions are intended to influence the award of municipal finance business to Morgan Stanley or the retention of that business.


It is important that officers and employees review the Policy on U.S. Political Contributions and Activities and the procedures that apply to their business unit or department or consult with LCD prior to engaging in any political activity or making any political contribution in the United States. Officers and employees also may not use Morgan Stanley's resources or Political Action Committee in connection with any political event or political contribution without prior clearance from Government Relations.


In addition, because we do business with many governments around the world, to avoid conflicts or the appearance of conflicts, officers and employees should consult with LCD prior to making political contributions to public officials or candidates for public office outside of the U.S.









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Confidential information generated and gathered in the course of our business is a valuable asset. Protecting this information is critical to our reputation for integrity and our relationship with clients, and ensures compliance with regulations governing the financial services industry. All confidential information, regardless of its form or format, must be protected from the time of its creation or receipt until its authorized disposal.


Confidential information is information (including proprietary information) that you learn, create or develop in the course of your employment with, or service as a director of, Morgan Stanley. It includes information that is not generally known to the public about Morgan Stanley, our affiliates, our employees, our clients or other parties with whom we and our affiliates have a relationship and that have an expectation of confidentiality.


You must comply with the our policies on confidential information. Unauthorized access, use or distribution of confidential information violates our policies and could be illegal. Your obligation to protect confidential information continues even after you leave Morgan Stanley, and you must return all such information in your possession or control upon your departure.


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Inside information is a form of confidential information and includes all non-public information that may have a significant impact on the price of a security or other financial instrument, or that a reasonable investor would be likely to consider important in making an investment decision. The determination of whether non-public information is "inside information" in some circumstances may be complex. Consult with LCD if you are uncertain whether particular information is inside information.


You may never, under any circumstances, trade, encourage others to trade, or recommend securities or other financial instruments while in the possession of inside information.


In order to prevent the misuse of inside information and to avoid both real and perceived conflicts of interest, we have established policies and procedures known as Information Barriers. We also have specific policies and procedures governing personal trading by directors, officers and employees that may differ depending upon your position and location at Morgan Stanley. You are required to familiarize yourself and comply with these policies and procedures. If you have any questions about policies pertaining to your ability to buy or sell securities, you should contact LCD.








We are subject to the laws and regulations of numerous jurisdictions around the world. It is your responsibility to understand the laws applicable to your responsibilities and to comply with both the letter and the spirit of these laws. This requires that you avoid not only actual misconduct but also the appearance of impropriety. Assume that any action you take ultimately could be publicized, and consider how you and Morgan Stanley would be perceived in that event. When in doubt, stop and reflect. Ask questions. If you are unclear about the application of the law to your responsibilities, or if you are unsure about the legality or integrity of a particular course of action, you must seek the advice of your supervisor or LCD. You will be held personally responsible for any improper or illegal acts you commit during your employment at or service to Morgan Stanley.








Our policies regulate use of our systems, including telephones, computer networks, e-mail, instant messaging and remote access capabilities. Generally, you should only use Morgan Stanley's systems and property for Morgan Stanley business. Do not access systems or locations that are not reasonably related to your responsibilities, and report any suspected misuse or theft of our assets. Under no circumstances should you use our systems to send or store unlawful, discriminatory, harassing, defamatory or other inappropriate materials.








We have a responsibility under the law to provide accurate and complete disclosure to the investing public, and to the extent that you are involved in the preparation of materials for dissemination to the public, you must ensure that the information is accurate and complete in all material respects. In particular, our senior financial officers, executive officers and directors must endeavor to promote accurate, complete, fair, timely and understandable disclosure in our public communications, including documents that Morgan Stanley files with or submits to the United States Securities and Exchange Commission and other regulators.


Officers and employees must consult their business unit, department or regional policy for standards that apply to oral and written communications with the public, as well as the circumstances under which communications must be reviewed by supervisors and others. If you become aware of a materially inaccurate or misleading statement in a public communication, you must promptly report it in accordance with the procedures outlined in Section I of this Code under the heading Reporting Misconduct.








We are required to maintain accurate and complete books and records. Every business transaction undertaken by Morgan Stanley must be recorded on its books accurately and in a timely manner. You must be candid and accurate when providing information for these documents and never make false or misleading entries. In particular, senior financial officers must endeavor to ensure that financial information included in Morgan Stanley's books and records is correct and complete in all material respects.








We are committed to conducting our business in compliance with all applicable environmental and workplace health and safety laws and regulations. We strive to provide a safe and healthy work environment for employees and to avoid adverse impact and injury to the environment and communities in which we conduct our business. Achieving this goal is the responsibility of all directors, officers and employees.








A truly great, visionary company such as Morgan Stanley continuously lives and defends its core values and business principles. Only by doing so can we realize the potential of our constituent parts and the talents of our people around the world.


To reaffirm their commitment to Morgan Stanley's core values and business principles, Morgan Stanley requires that directors acknowledge this Code of Ethics and Business Conduct, and that officers and employees acknowledge the Morgan Stanley Code of Conduct, which is summarized in this Code of Ethics.




Updated as of June, 2008






Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Hi, just to let you know what wenton with this case..... I phoned up A&L stating I do beliee I was mis-sold PPI, and I as adisedthis would be looked into, andsomeone would write back to me in a few weeks time.... that was about a month ago, today receieed a letter, stating A&L will refund an amount to just under £1000, and it will be deducted from my loan account balance, needless to say I'm an extremely happy bunny today, and thank you all for your great help, now will help my sis to get her PPI back, which will amount to thousands as she has a loan for £25000.00!!!!


I know the dates hae been mentioned before, but was it PPI taken out between 2005 and 2007 with A&L?

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Ok been reading aound on a few posts here and just wanted to find out if A&L are allowed to apply the refunded PPI amount to the balance outstading on my account, it has been defaulted and there are arrears on the account..... Can I still request a cheque in the post?

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Yes, they will probably refund the PPI to your account.


Without me having to reread this thread from the start, did you reclaim the interest charged on the PPI, or just the PPI premiums themselves?

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A&L were fined by the FSA, for mis-selling PPI;

A&L stated that they would be contacting all the customers affected and;

refund said PPI premiums!


Check out the FSA website for full details.


I agree with Noomillo, in that A&L should repay to you the contractual interest that was levied on the PPI premiums, as well as the premiums themself.



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Stressed..have they terminated or requested the full balance yet following the Default?

If not then you might be able to argue that only the amount required to bring the account up to date should be paid into the account, the rest by cheque.

Elsa x



Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:


All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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They offered to repay the PPI interest which they state is 8 percent and amounts to around £95.00, I neer actually thought I'd be entitled to any interest, how would I ork it out and ask them to refund it? Also there is a default on the account, but I am still awaiting A&L to send me the default and termination docs as part of SAR....

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The fact that PPI was mis-sold and the fact that the agreement for PPI was on the same document as the credit agreement, probably means that the entire combined agreement is unenforceable as PPI premiums will have been added to the debt balance, then interest charged on the PPI premiums means that any prescribed terms (which may or may not be on the credit agreement, which may or may not even exist) are wrong.


If the PTs are in anyway mis-stated the agreement is enforceble only by a court, which would be barred from doing so by virtue of s.127 of the consumer credit act.



Hi Noomill - Sorry to jump in on thread, just wondered if you could have a look at this based on what you have put in this post and tell me your opinion please. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/184665-northern-rock-q-whats.html

Is really bothering us but can't work out where to start with it all. Sorry again for jumping in - goodluck & won't interrupt again :oops: Many thanks, Mpols x

Edited by mysticpols06

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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