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CCA's and Dave against the world !!!


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Hi i am new to these sites my name is booboo39 and i dont know if i am posting ere corectly ?? if not then i am sorry to all ere . I am looking for advice on cca's and true copies of cca's i requested 2 cca's and recieved the following in the link attached if someone would please help me establish their validility ?? a set of t&c's were sent along with an agreement and statements . The agrrements (so called true copies ) have a signature on behalf of the company the name address and account no of myself but no signature of mine . Also there is a paragraph about missing payments on the agreements and after further research i am led to believe the agreement is not a true copy due to the missing payments paragraph . If anybody would be willing to look at them for me i would be soo grateful as i dont know where to turn , i have always worked things out and fought my own corner but i need a bit of guidance and a good bit of advice it seems now:confused:. Once again sorry if i have intruded here and the following link is a link to the cca and t&c's i need help with . Also well done Dave against the world :)consumer credit agreements pictures by betty240370 - Photobucket Thankyou all and hope someone can take the time to look advise me please :-|

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Hi i am new to these sites my name is booboo39 and i dont know if i am posting ere corectly ?? if not then i am sorry to all ere . I am looking for advice on cca's and true copies of cca's i requested 2 cca's and recieved the following in the link attached if someone would please help me establish their validility ?? a set of t&c's were sent along with an agreement and statements . The agrrements (so called true copies ) have a signature on behalf of the company the name address and account no of myself but no signature of mine . Also there is a paragraph about missing payments on the agreements and after further research i am led to believe the agreement is not a true copy due to the missing payments paragraph . If anybody would be willing to look at them for me i would be soo grateful as i dont know where to turn , i have always worked things out and fought my own corner but i need a bit of guidance and a good bit of advice it seems now:confused:. Once again sorry if i have intruded here and the following link is a link to the cca and t&c's i need help with . Also well done Dave against the world :)consumer credit agreements pictures by betty240370 - Photobucket Thankyou all and hope someone can take the time to look advise me please :-|

 

best to start your own thread.....

 

but looking at the cca's supplied....if it hasnt got your signature they havent a hope of enforcing it (probably)...but ive seen some pretty bad judgements recently.

 

start your own thread and someone will be along shortly

 

rgds

 

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

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  • 2 months later...

Hi guys I'm back again...... (never really been away....just lurking)

 

decided to finally get to grips with things after all the pratting about.

 

Sent Barclaycard a demand for unlawful charges + contractual interest totalling £581 + £1200 in interest (compounded)

 

This must have woken them up and they credited my bank account with £621 with no ties (this was always the stumbling point) they had previously always wanted to tie me into a confidentiality agreement and agreement never to sue them again........I wasnt having that

 

£627........?????? it works out that this is the £581 + 8% on the whole.

 

This was not what I had asked for......nowhere near...they had originally agreed to £750 and then £800...... Even at 8% from the date of each charge this now comes to about £831 so why would I accept £627 ?

 

I wrote to them (once the money was safely in the account) and thanked them for the deposit, and politely asked when I could expect the balance :)

 

They then wrote a rather short letter telling me to go forward and procreate, and that I could take the matter up with the FOS If I wanted.

 

I went one better and issued an N1 for the balance. they have until Nov 2 to acknowledge service.

 

The battle is joined. These are just the opening shots I have bigger plans for this motley crew.

 

rgds

 

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

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Hurrah, glad to see you back Dave - & obviously fired up on all cylinders! :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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thanks for the kind comments

 

I'll keep you updated

 

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

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got the Notice of Service through in this mornings post.....and they say they are going to defend......ho hum

 

quite honestly I cant see what they are going to defend, and I can't wait to see the defence.

 

I suppose my putting on compound contractual interest has rattled them. I really cant wait to see if this ACTUALLY gets into court.

 

rgds

 

Dave

  • Haha 1

** 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

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Hi guys

 

for further information......

 

This latest attack on barclaycard is for a CC originally issued by Morgan Stanley.

 

they were then taken over by Goldfish and then by BC.

 

At sometime while Goldfish had it, and while it was still in dispute they sold it (in my opinion unlawfully) to HFO services who have been extremely quiet since about 18 months ago when I told them to "go fish" :)

 

I have since written to hfo regarding the unfair charges and threatened them with court action and they replied that they would have to talk to their clients (BC).

 

So it seems as though it wasnt a full assignment and that the responsibility still lies with BC. So a few letters later and the paid me £627 as a "goodwill" gesture.

 

And thats where we're upto at the moment. I asked for the charges and compound contractual totalling nearly £1800 and the gave me £627...hmmm

 

game on

 

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

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Hi Dave,

 

What most of us are getting from Bcard in reply to our requests for our MSDW agreements is a cut and paste job and they are extremely reluctant to let any of us see Q4. I have asked repeatedly for a copy of the whole agreement over the past few months and there's no sign of it.

 

DD

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Hi Dave,

 

What most of us are getting from Bcard in reply to our requests for our MSDW agreements is a cut and paste job and they are extremely reluctant to let any of us see Q4. I have asked repeatedly for a copy of the whole agreement over the past few months and there's no sign of it.

 

DD

 

Yeah, in common with a lot of other credit providers they only release the bare minimum, but barclays seem to be quite a problem (reading other posts). The only real way of getting a result would be the CPR route....

 

I was fortunate in that my agreement was supplied by Morgan stanley in 2007. and yes it is unenforceable without any prescribed terms anywhere near it, but that is for later.......:).

 

rgds

 

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

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I was fortunate in that my agreement was supplied by Morgan stanley in 2007. and yes it is unenforceable without any prescribed terms anywhere near it, but that is for later.......:).

 

rgds

 

Dave

 

Hmm someone with a full copy of there application, that could be useful ;-)

 

(licking his lips and wondering from what year :-D)

 

S.

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Hmm someone with a full copy of there application, that could be useful ;-)

 

(licking his lips and wondering from what year :-D)

 

S.

 

Hi Shadow its about 1999-2000 from memory there should be an image on here somewhere (I think). I can post it up again if you want. there is also the original MSDW t&c's which look contemporary with it

 

rgds

 

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

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Hi Shadow its about 1999-2000 from memory there should be an image on here somewhere (I think). I can post it up again if you want. there is also the original MSDW t&c's which look contemporary with it

 

rgds

 

dave

 

haha No probs, thanks for the offer....mine was 1999 and if they ever get round to sending me a copy I'll know where to come :-)

 

S.

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good news.......

 

The new UBUNTU is out (Karmic Koala 9.10) So i will be re-installing.

 

For those of you that dont know what UBUNTU is its a totally FREE operating system and does most things that windows does.....but better!!!. all the applications are free as well office suite etc.

 

You can even choose to try before install......ie run it off the cd without installing (not as fast though)

 

I have chosen to re-install rather than upgrade because I want the new filesysytem on my nice new 250gb sata drive. I used to "dual boot" into XP but have long since deleted it as I found I didnt need it.

 

I need to make all sorts of backups first in case disaster befalls so may be otherwise occupied for the next N number of hours.........:)

 

sorry for the shameless ad ....but it is a non commercial concern fully committed to free software for everyone use and share, and worth a look at

 

rgds

 

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

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WOW.......

 

you know when you are not really concentrating and something just jumps up and hits you

 

the agreement in post 1.....

 

MBNA

 

I have been working on a strategy to deal with this for a while and it was all rather up in the air

 

well I just looked at it again......and nowhere does it say that the ppi is optional

 

this means that it shouldbe classed as a charge for credit......totally screwing the whole agreement up

 

:) :) :)

 

 

mbnaresponse.jpg

 

what do you think

 

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

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BTW the install went well........I'm a very happy bunny

 

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

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