Debt Managers Ltd and Barclays

[hatesdebt]

"I've had no dn from bc and my agreement (msdw) is an obvious cut and paste."

 

I think you have already had a look at my so called agreement, again an obvious cut & paste. Is your the same?

 

Can you point me to it?

[rockwell304]

Morgan Stanley/Barclaycard - is this enforceable please?

 

Sorry, cant seem to be able to do the link. If you put this is search it should come up. Agreement should be in post 4.

[hatesdebt]

Your first (signature page) is almost identical to mine.

What purports to be page 2 (overleaf) is different to mine.

I don't think the terms were ever overleaf - just added to make the agreement "seem" compliant.

 

Anyway, strange is it not that page one is identical, but "overleaf" is completely different.

Blatant cut and paste jobs if you ask me!.

[rockwell304]

Your first (signature page) is almost identical to mine.

What purports to be page 2 (overleaf) is different to mine.

I don't think the terms were ever overleaf - just added to make the agreement "seem" compliant.

 

Anyway, strange is it not that page one is identical, but "overleaf" is completely different.

Blatant cut and paste jobs if you ask me!.

 

I assume some sections on your have been removed also to make way for the prescribed terms.

Not sure if this is all that important in the light of recent court cases. In my case I believe it goes to show how devious they can be. Also on my agreement there is a glaring error in my personal details - will hold that back as my trump card!

[wittsend]

at least you can read yours (terms)

all I received yesterday was the original terms from 1989/90 an they are so small I can't read them even with a magnifier

 

witts

[hatesdebt]

at least you can read yours (terms)

all I received yesterday was the original terms from 1989/90 an they are so small I can't read them even with a magnifier

 

witts

 

That in itself makes it theoretically unenforceable.

[victoria_siempre]

Hi witts

 

You are blessed.

 

Keep those illegible and unintelligible T&Cs somewhere safe.

 

love

 

vic

[victoria_siempre]

Hi hd

 

Posts crossed but not 'theoretically'; I wish I had them as opposed to the made up crap that requires me to do more work.

 

x

 

v

[hatesdebt]

Hi hd

 

Posts crossed but not 'theoretically'; I wish I had them as opposed to the made up crap that requires me to do more work.

 

x

 

v

 

Hey Vic,

 

How you doing?

[hatesdebt]

...Sorry debthater,

 

Seems we are hijacking your thread....

[diddydicky]

before you get anymore DCA's taking up the reins- get yourself a truecall- they will THINK they are annoying you by keep calling you several times a day - but uneknwon to them - you will never hear the phone ring when they call!!

[DebtHater]

...Sorry debthater,

 

Seems we are hijacking your thread....

 

No worries

 

The more the merrier8-)

 

I will try and upload a picture of the effort BC sent us yesterday. Very blurred and a poor photo copy it is.

[hatesdebt]

No worries

 

The more the merrier8-)

 

I will try and upload a picture of the effort BC sent us yesterday. Very blurred and a poor photo copy it is.

 

Nice one,

 

Look forward to it.......

[DebtHater]

Here are what BC sent us on saturday along with the covering letter I mention earlier on Post 21 of this thread.

 

I have not scanned them, just simply took a photo of them. All photo copied and no signatures. It on't let me add links to a bigger photo for some reason

 

 

 

 

 

Edited February 7, 2011 by DebtHater

[wittsend]

Totaly different to mine

 

I have no signiture boxes on either the up to date or the "original" terms

 

But mine is quite a bit older

 

the letter you received is the same word for gobildigook word as I got

and from same person

 

witts

[DebtHater]

Hi witts,

 

I could now do with some advice on what to do next. The phone has just rang with a Out of Area coming up on the display so didn't answer it.

 

I wonder if it is one of these boneheads trying to contact us.

 

Cheers

[wittsend]

It may be

 

but ignore it if they want to leave a message that may be a differant matter but I have an answering machine on and all my out of area no. have never left a message yet

 

just keep a log of the calls and times

 

or buy a Truecall, this will block all unwanted calls but allow friends and family to contact you

 

my phone allows me to block unwanted no. but not international or withheld (M&S) so I will be buying a Trucall asap

 

 

whitts

[DebtHater]

The missus has started constantly getting calls at work from who we think is Allied International Credit.

 

These were on our case before until we sent them a CCA Request. It is then that Barclaycard sent us the poor photocopied effort of a CCA request with no signature or anything and demanding the sum owed.

 

They are starting to the worry the missus now. We know we owe them money but cannot afford to pay it all back immediately. We are still sending them £5 per month direct debit as we have done for a year or two now

 

The covering letter is at POST 21 of this thread, and the pictures of the so called CCA is POST 40 (I cannot do large pictures as I need to post 20 replys on these forums

Edited March 15, 2011 by DebtHater

[diddydicky]

It may be

 

but ignore it if they want to leave a message that may be a differant matter but I have an answering machine on and all my out of area no. have never left a message yet

 

just keep a log of the calls and times

 

or buy a Truecall, this will block all unwanted calls but allow friends and family to contact you

 

my phone allows me to block unwanted no. but not international or withheld (M&S) so I will be buying a Trucall asap

 

 

whitts

 

there are some on e bay being offered around £20-£30 (new one is around £70-£80

[intree]

Hi I have today received a response from Barclay card, together with a RECONSTITUTED credit agreement for the above account for which they have made no contact for three years indicating they have now complied with Sec 78 of the Consumer Credit Act 1974

 

They state " I enclose a reconstituted copy of your credit agreement together with the terms of your credit agreement as varied in accordance with section 82 (1) of the Act"

 

The full amount of £1900 is now due

 

This completes and satisfies our obligations under the Consumer credit act 1978.

 

Thank you

 

Kimberly Crosby

Barclaycard

 

also included is a few sheets of printed docs from 2007 and some dated 1998, card was taken out in 1993

 

SO ANY ADVICE IS APPRECIATED AS ALWAYS PLEASE

[wittsend]

Hi I have today received a response from Barclay card, together with a RECONSTITUTED credit agreement for the above account for which they have made no contact for three years indicating they have now complied with Sec 78 of the Consumer Credit Act 1974

 

They state " I enclose a reconstituted copy of your credit agreement together with the terms of your credit agreement as varied in accordance with section 82 (1) of the Act"

 

The full amount of £1900 is now due

 

This completes and satisfies our obligations under the Consumer credit act 1978.

 

Thank you

 

Kimberly Crosby

Barclaycard

 

also included is a few sheets of printed docs from 2007 and some dated 1998, card was taken out in 1993

 

SO ANY ADVICE IS APPRECIATED AS ALWAYS PLEASE

 

 

 

when you say printed docs did they send you a copy of the signed agreement with the terms on it

and have they sent you any term from the inseption of the account(prescribed terms)

[wittsend]

Hi DD, long time no see, how have you got on with this account, sorry not been about for sooooooo long. whitts

Edited January 23, 2013 by wittsend
brain missing