Jump to content


Cap1 & CCA return


tamadus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4959 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

unfortunately as you know my agreement is almost 100% :(

 

Just sent off for a full sar today so I shall see what turns up

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Below is an excerpt from the oft booklet non cancellable agreements.

it seems as though yours is NON cancellable because you signed on trade premises

rgds

dave

 

 

Thanks Dave, I suspected as much. Looks like I'll have to hit them with a Section 85 claim instead :D

Link to post
Share on other sites

Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

Link to post
Share on other sites

Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

what year did you take the card out? the credit card agrement bit seems to comply with the 2006 cca. just looked agian yep cca 2006

Link to post
Share on other sites

This was taken out in 2001, T&C sent are the current ones and the agreement was sent on the reverse side of a new card issue this year, but I am going to look through paper work now as I may still have it and dont remember them on the back!

Capitalism is the legitimate racket

of the ruling class.

Al Capone

Link to post
Share on other sites

This was taken out in 2001, T&C sent are the current ones and the agreement was sent on the reverse side of a new card issue this year, but I am going to look through paper work now as I may still have it and dont remember them on the back!

 

:D an application is just that not a credit agreement.

 

Originally Posted by ian1969uk viewpost.gif

Following my complaint to Consumer Direct regarding MBNA, I had a call to arrange a meeting with Consumer Advice this Friday. Then today I received a letter from Trading Standards, asking me to send them copies of the correspondence between me and MBNA. I phoned them and asked if I still needed to attend on Friday. Interestingly she said that the appointment on Friday was for advice on where I stood as a consumer, Trading Standards were investigating the criminal matters within the case (her words, not mine).

 

I told her what MBNA had sent me as an agreement and she said that an application form wasn't an agreement and so they were still in default. She also confirmed that her view was that when they had defaulted, they were not allowed to add interest or charges to the account.

 

I've sent all of the letters to her and she said she will be back in touch. I have cancelled Friday's meeting as I don't feel I need the consumer advice, I just want TS to investigate MBNA.

Link to post
Share on other sites

:D an application is just that not a credit agreement.

 

Apparently not according to MBNA! See my post "6521" above. Apparently an application "serves two purposes, it is an application and a credit agreement".:rolleyes:

 

I am shocked that none of you jumped on my post! I thought there'd be uproar!!! LOL! :o

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

 

Main, I am about to go into battle with Goldfish/Morgan Stanley. You'll like this people.......I asked for a true copy of my executed agreement (from 1992) and I have taken delivery of.......over the last week :

 

243, YES TWO HUNDRED AND FORTY THREE, copies of a conjectured agreement - current address, current credit limit, current charges, no sig boxes, no sigs and each and every one sequentially numbered.

 

I did post on Addabet's thread, he doesn't know about this update!! LOL!

 

Sorting Office have told me I will have to collect if it continues, I think it is winding down as I only got 40 in this morning's post!!!

 

I thought you were only supposed to have one???!!!!:rolleyes::D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

:lol: @ that Corn...thats funny

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

Link to post
Share on other sites

and the bad backs :lol:

 

LOL! pford and MainMan, the first delivery was 140-odd and I thought somebody had collapsed behind the front door because I couldn't get in without a struggle, the next lot (60-odd), he told me that I would have to collect from the Sorting Office if this continued. This morning, he actually knocked and said he'd been able to manage this lot but putting them through the door was rather time consuming!!!

 

He said "whoever this is, they must like you". Little does he know.......:rolleyes::-D

 

Anybody got any ideas on what to do with 243 copies of Goldfish's "The Facts" leaflet?

 

The Fact is Goldfish.........you've been framed!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Well according to the Gospel Of Morgan Stanley an 'application' is an application so our brothers at MBNA better start singing from the same hymn sheet!:D

 

Ah but they won't, because apparently, they are allowed to "convert" a credit card mailer into a "consumer credit agreement". They are obviously regulated by an authority we have no knowledge about!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

 

Anybody got any ideas on what to do with 243 copies of Goldfish's "The Facts" leaflet?

 

The Fact is Goldfish.........you've been framed!!!:D

 

 

Any good at origami could make 243 heron ;)

Link to post
Share on other sites

Hi MAIN...

 

I got EXACTLTY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

http://www.consumeractiongroup.co.uk/forum/general-debt/84285-ccas-dave-against-world.html

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

Link to post
Share on other sites

icon1.gif Re: Consumer Credit Act Agreements

Hi MAIN...

 

I got EXACTLY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

CCA's and Dave against the world !!!

 

Cheers will definitely have a look, I am now receiving replies to CCA requests daily for me and the Main Woman (or so she thinks!). Trying also to do as much research as time allows under a paper mountain that Corn would be proud of:lol:

Capitalism is the legitimate racket

of the ruling class.

Al Capone

Link to post
Share on other sites

icon1.gif Re: Consumer Credit Act Agreements

Hi MAIN...

 

I got EXACTLY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

CCA's and Dave against the world !!!

 

Cheers will definitely have a look, I am now receiving replies to CCA requests daily for me and the Main Woman (or so she thinks!). Trying also to do as much research as time allows under a paper mountain that Corn would be proud of:lol:

 

LOL!!! If you can beat my paper mountain Main, I will gladly hand over my crown. I might just post a picture of the Goldfish stuff, it has to be seen to be believed!!!!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Any good at origami could make 243 heron ;)

 

LOFL!!!! Love it!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

Link to post
Share on other sites

Main, I am about to go into battle with Goldfish/Morgan Stanley. You'll like this people.......I asked for a true copy of my executed agreement (from 1992) and I have taken delivery of.......over the last week :

 

243, YES TWO HUNDRED AND FORTY THREE, copies of a conjectured agreement - current address, current credit limit, current charges, no sig boxes, no sigs and each and every one sequentially numbered.

 

I did post on Addabet's thread, he doesn't know about this update!! LOL!

 

Sorting Office have told me I will have to collect if it continues, I think it is winding down as I only got 40 in this morning's post!!!

 

I thought you were only supposed to have one???!!!!:rolleyes::D

 

 

THAT IS FUNNY!!! I bet your postman loves delivering your mail? :-D

Link to post
Share on other sites

certainly getting your pounds worth! (assume it doesnt cost them £30 to send a letter after all)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

OH MY GOD!!!

 

Methinks MS mst be going into panic mode.

 

I would go out and buy 242 envelopes, put each copy within, address them to MS minus stamps of course and send them all back together.

 

AC

Link to post
Share on other sites

Letter from MBNA this morning, I think they're on the ropes a little.

 

All the usual blurb about them being right and me being wrong, but they have agreed to refund the remaining penalty charges amount of £550, meaning they have now refunded the full amount of £930.

 

They trust this is the end of the matter.

 

Erm, not really MBNA. There's still the small matter of the interest you've added whilst in default of my S78 request, the application form you expect me to accept as my agreement, the S85 default you are asking me to drop as you sent a credit card mailer, and now we need to get Trading Standard's views on your conduct.

 

The end of the matter? Nah, just the beginning.....

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4959 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...