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    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
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BarclayCard (formerly Morgan Stanley) Unlawful PPI and unable to access account


nellyM029
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Hi Everyone,

 

I have been looking at the threads and feel my issue is quite unique so hoping it is okay to start a new thread and ask for help.

 

I am wondering what kind of claim I can make with barclaycard.

 

I got a Morgan Stanley Crredit Card in 2001 - with PPI. I was a student here and also thought it would help my credit rating.

 

In 2006 I changed addresses and cancelled PPI but MS asked for faxed copies of address etc before i changed it. I sent several faxes etc but they never recieved them.

 

They froze my card due to returned mail - I have always maintained minimum payment although I cannot access account.

 

When it transferred to Barclays I lost total access to the account (although I have a barclaycard in current address) and maintained minimum payment.

 

I've since got in financial difficulty - my cedit cards increasing APR and me being an idiot and using them. I have been trying to access the account.

 

I finally did at the end of March by entering a branch. the manager was lovely - I found out my balance was twice as much as expected at £3999. I have been payin mg PPI although I was sure I had cancelled it - and at £30 a month my balance has actually been going up even though I have maintained minimum payments and not used it in years.

 

She logged a complaint on my behalf but when I called for an update they said they wouldn have a solution until end of May.

 

Ideally my finances being what they are and the fact that I think they are evil how can I maximise this complaint?

 

 

Any help is very very very appreciated

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got a Morgan Stanley Crredit Card in 2001 - with PPI. I was a student

you are entitled to all PPI payments to be returned to you forthwith,you will also find MS HAD NO CONTRACT or very few contracts during that year...as for the PPI you would never have been able to make a claim on it being a student.

so firstly you need to send a CCA REQUEST TO BARCLAYS AND MORGAN STANLEY i would send it to both why because Barclays will only have limited paperwork and MORGAN STANLEY will have limited paperwork...so send to both along with your £1.00 payment send both letters registered post,and sit back and wait for their replys then we can help you with all the tools you need..but you PPI is definitely been sold to you without them telling you it is unclaimable for students....

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Hi Nelly,

 

I agree that you should send a SAR if you don't have all your a/c statements for the last 6 years - http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

Also send a CCA request but only to BC - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter It's up to them to provide the original agreement and you don't need to seek it from MS (who no longer exist).

 

PPI should be reclaimed in full plus interest at the bank's contractual rate. Read more about this in the Interest Tutorial at Link No6 in my signature below.

 

Finally, any penalty charges added to the a/c can be reclaimed in full, plus interest at the contractual rate.

 

:)

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thanks slick

patrickq1

MORGAN STANLEY DO STILL EXISTS AND HAVE TO KEEP THE RECORDS OF ALL THE CARD DATA ,

THEY ARE AN INVESTMENT STRATEGY COMPANY NOW AND OUT OF THE CARD BUSINESS ...

THE ADDRESSES OF MORGAN STANLEY, THE CARD SERVICES COMPANY WAS GLASGOW...

London

Morgan Stanley & Co. International plc

Company Number 2068222

25 Cabot Square, Canary Wharf

London E14 4QA England

Tel: (44 20) 7425 8000

Fax: (44 20) 7425 8990

Authorized and Regulated by the UK Financial Services Authority

Registration Number 165935

VAT 524 2526 68

 

London

Morgan Stanley & Co. Limited

Company Number 2164628

25 Cabot Square, Canary Wharf

London E14 4QA England

Tel: (44 20) 7425-8000

Fax: (44 20) 7425-8990

Authorized and Regulated by the UK Financial Services Authority

Registration Number 165934

VAT 524 2526 68

London

Morgan Stanley Securities Limited

Company Number 2068221

25 Cabot Square, Canary Wharf

London E14 4QA England

Tel: (44 20) 7425-8000

Fax: (44 20) 7425-8990

Authorized and Regulated by the UK Financial Services Authority

Registration Number 139238

VAT 524 2526 68

 

London

Morgan Stanley Bank International Limited

Company Number 3722571

25 Cabot Square, Canary Wharf

London E14 4QA England

Tel: (44 20) 7425-8000

Fax: (44 20) 7425-8990

Authorized and Regulated by the UK Financial Services Authority

Registration Number 195430

VAT 524 2526 68

Glasgow

Glasgow (ISS)

The Cerium Building, 55 Douglas Street

Glasgow G2 7NP

Tel: +44 (0) 141 245-8000

Fax: +44 (0) 141 245-7493

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A 2001 MS agreement is unlikely to be enforceable. They are currently playing cut and paste with their agreements to make them appear so.

 

When you get it, remove all your personal details and post it up and we'll have a look at it for you.

 

If it's unenforceable it puts you in a good position to negotiate with them.

 

DD

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NEGOTIATE Danniella lol...might as well talk to the wall,but saying that i do strongly beleive that BARCLAYS know they have bought a pig in a poke concerning MORGANS DEBTS i beleive it was in the region of £0.03 pence in the pound for the debts....,yes i think we will find the cutting room at Barclays is busy due to the paster being drunk and incapable of keepin a straight line hehe

patrickq1

ps i would nt negotiate a single cent wiv barclays come hell or high water,but that is me

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If you hang out long enough, Patrick, and keep knocking back the debt collectors they do start offering discounts - after a year or so - and this may be when they know they don't have enforceable agreements. I don't have the money to negotiate anything at the moment, but if I do and can agree to settle the accounts for a low percentage and have defaults removed then I will do that.

 

In the meantime, I'm hoping some of the card companies will be so discredited by the cut and paste jobs, re-creating documents, etc. (Shakespeare and Amex :)) it could be much easier to get them to back down if you are on CAG and know your rights.

 

I've seen so many variations on the MSDW agreements - another cagger and I applied on the same day and received the copies of our so-called agreements (application forms). He had 11 questions but I only had nine. :D

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my beef with MORGAN STANLEY ISNT over money as such it was the fact that they were charging me twice for the same PPI and on secondary illness that occured they refused to even look at the claim....in fact so much so is that their was no secondary PPI company receiving the benefits of the secondary payments,now MS denied their was a secondary PPI payments but i have the second PPI on some 36 statements ? now they wont talk to me gggrr but due to begin action very soon due to HFO puting a black mark on our credit so i have to take HFO to court and MS will have to be witness to this since HFO CAPITAL (CAYMEN) dont exist ,another story lol

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