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Mercers/Barclaycard


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FOS have got no right in the moralities of wether you used the card or not this is about the validity of any agreement and termination wether lawful or unlawful....cheeky barstewards makes you wonder does 'nt it considering their paymasters are the banks

have you had your agreement if not send in your sar specificly asking for the agreement dont mention the differences until it comes upto the pcr stage got a while to go yet...as for HFO just let them know that you are officially in dispute with Barclays/goldfish/morganstanley and they are last in line but if they would like to send you the letter of assignment he he we know what that is lol then by all means do so

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Got a phone calllink3.gif from foslink3.gif today basically saying that they have achieved their objective and got BC to supply a copy of the agreement. It is up to me to challenge BC to the validity.

 

you need to ask for your case now to be transfered to the Omsbudsman who is over the FOS and a complaint about the conversation...

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Default notice here:

 

defaultnotice.jpg

So Mercers issued the DN , not Barclaycard.

Lets assume another DCA issues a Termination Notice or demand to repay in full.

 

Without proof that Barclaycard gave instructions to do so can't they reasonably claim that the DCA's issued the notices without their knowledge? They could then issue a new DN and TN themselves.

What is the legal position?

 

Secondly, would a SAR to Barclaycard produce the Mercers DN or is it necessary to SAR each DCA individually. Could get expensive!

Edited by Artie44
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Received a card thru post today, dated 18th March, from power to connect saying that they will be calling between 9 & 9 on wednesday.

 

1) this card was sent out while the case was with the FOS - is this allowable.

2) no appt letter sent to CSl on 18th Feb stating that I do not wish to have a visit from them or their representitives.

3) I will not be phoning them as they request.

 

What now?

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Latest: Received this notice of intended legal proceedings from CSL today:

 

CSLlegal02.jpg

 

Any advise on whether its a threat or genuine.

 

Also received letter from FOS informing me that my complaint is not upheld (suprise) as I have been supplied with a copy of the credit agreement.

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Received a reply from the FOS today saying that they still feel that my complaint should not be upheld. However they do say that, in there opinion, the matters I raised are more appropriate to be considered by the OFT ot the IO because they relate to the alleged breaches for which these organistaions are the appropriate regulators.

 

I probably need to get as SAR on the go now.

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I have no personal experience with CSL yet ;-) but I always tend to look for the....

 

"may" result in legal proceedings being issued....

 

then again you "may" pay or you "may" not ;-)

 

S.

 

I think along the same lines. If they had a case why don't they just take me to court?

 

Time for a SAR I think.

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Hi Tony

 

My daughter received her SAR back today.

 

Have a look at the latest post on her thread.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/251404-mrs-m-daughter-morgan.html

 

Just when you thought Mercers couldn't get any more stupid.

 

I wonder what qualifications you need to get a job with them.

 

Mrs M :lol:

 

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Perhaps now is the time to let BC and their DCA's do all the running around. If they want to take court action, they'll have to produce the agreement then.

 

Are you still paying toward the a/c. :)

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credit solutions,Dear Mr white or whomsoever send the copy of the MORGAN STANLEY AGREEMENT do not send the Barclays agreement do not send anymore threatening letters in fact go back to BARCLAYS PLC and tell them that you welcome the chance through legal actions that has been sugested in there letter......

as you are aware no legal asignment has taken place and in compliance with section 136 of the law of property act 1925 i am afraid i have not received from MORGAN STANLEY any legal notification notice of a given sale of this account also they BARCLAYS CREDIT SOLUTIONS are acting on behalf of their client so have a duty to pass on the request Credit Solutions and Barclays have a duty to pass this information back to MORGAN STANLEY LEGAL DEPARTMENT with whom you have a dispute with ,as far as we can see from the non information supplied no default notice from MORGAN STANLEY has taken place in fact no record of any true copy of a MORGAN STANLEY contract/agreement has surfaced,so if you wish to begin procceedings then let me know by return post

yours bla bla

 

or something along those lines

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Hi Slick,

Not paying toward the account, stopped back end of last year when money was tight.

 

I actually contacted BC nearly a year ago to explain that things were not too good financially with an offer of reduced payment - they would only accept a minimum of 1% of the balance. I tried this for a while but even this became a problem so after trying to get them to accept a lower amount, which they wouldn't, I started with the CCA request.

 

As mentioned in my MSDW thread, now sending an SAR.

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  • 5 weeks later...

Hi Tony,

 

I sent BC a request of CCA and received terms and conditions, so I wrote them back asking for the true copy of my contract/agreement and yesterday I received a letter similar us yours, (letter attached from BC)

 

Shall I send a letter to FOS to look into this matter

BC LETTER.PDF

Edited by DSYS65
LETTER NO CLEAR
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Hi DSY,

You can complain to FOS but to be honest its a bit of a waste of time as they will eventually say that BC have complied with the CCA request. The only thing is that by complaining you are creating more hassle for BC.

 

I suppose its to be expected as they are funded by the FS industry.

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Sent off a SAR to BC on 30th March for all 3 accounts. Received a nice hefty package with a some letters and a nice big computer printout on all accounts showing all sorts of stuff, but no statements or agreements. Just wait for the 40 days now to see if I receive the rest.

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Sent off a SAR to BC on 30th March for all 3 accounts. Received a nice hefty package with a some letters and a nice big computer printout on all accounts showing all sorts of stuff, but no statements or agreements. Just wait for the 40 days now to see if I receive the rest.

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Sent off a SAR to BC on 30th March for all 3 accounts. Received a nice hefty package with a some letters and a nice big computer printout on all accounts showing all sorts of stuff, but no statements or agreements. Just wait for the 40 days now to see if I receive the rest.

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i would if i were you tony send a recoded delivery letter reminding them of how many days left and that they have failed to deliver in full all your requirements and list what they have not sent this way they cannot spring any suprises on you at a later date if their is any court actions....just play it safe dude and you will be home and dry another thing is look to see if any recorded defaults have been entered...note the dates and file in a format you understand...do not give them an inch ..

patrickq1

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barclays cannot send the statements and you will find the computer printouts are designed to try to confuse you ,if you are struggling with the format they have sent demand the correct and intelligble fromat as set out on morgan stanley statements..

patrickq1

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