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application form or credit agreement ??

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hi everyone its been a while since last logged on to this web site, i would very grateful if i could get your help again, a friend of mine is in a spot of trouble with some debt collectors calling him and sending him numerous letters.

back in 2000 he had a morgan stanley credit card ,he honestly only remembers applying for one, and never signing any other documents apart from the first one.

i wrote them a letter requesting a copy of the signed credit agreement i got the letter from this web site.

Barclays wrote back and wrote a long 3 page letter explaining my friends rights as well as there own and attached 2 photocopied sheets of paper. the first one is tittled in big bold writing application form, and written under it in normal writing it reads credit agreement regulated by the consumer credit act 1974 . source code 107h5zzgf. it has filled in, his date of birth, full address plus how many yrs he has lived there, work address, bank address and bank details,statement date options, and payment protection insurance options,which the box no i do not wish this has been ticked. each of these are numbered 1 to 12, part 10 is tittled the agreement, which reads please send me my morgan stanley credit card and pin, it goes on to say that i confirm all details are true and that a credit check will be carried out . part 11 reads your signature and reads this is a credit agreement regulated by the consumer credit act 1974 sign it only if you want to be legally bound by its terms, my friend has signed it, and its dated 20]04]00 . part 12, reads your write to cancel, it says you have a short time to cancel, details will be sent in the Post by the bank.


now its getting quite confusing for me please bare with me....a few yrs ago my friend told the bank he could no longer afford the repayments becos he was off work ill, the bank stated paying for his repayments via the insurance policy. 3 yrs later the bank tells him he can no longer have his repayments payed via the insurance, 3 yrs being there max time they will pay it. yet they are still charging him paymeny protection every month


the second photo copy sheet they have sent is the financial and related particulars which reads about the APRs , i really need to try and scan this and get it on here, it is signed by i guess the person from morgan and stanley, because it reads for office use only. but the date has been changed, the original date has been written over,it was originally different day and month and changed to the date my friend took the card out.i know it could of been a simple error and a genuine mistake.

some thing else i have a couple of statements they recently sent my friend, bare in mind he ent used this card in years, i read on the statement

previous balance from last statement £1,927.38

22nd jan 2010 AXA payment protection £15.52

22nd jan 2010 interest on ur cash balance interest 2.000% £33.67

22nd jan interest on ur standard balance interest 1.527% £2.43

22nd jan interest on your default sum balance interest 1.527%

22nd jan new balance £1,980.20


any advice would very much be appriacted on what should we do next x

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