Frightened about my future

mouseann

never-in-doubt wrote: »

Ok, this one does seem to be the best so far, but shame - they made a wee boob-boob!

It did take me for ever to get them scanned - and I did think they looked OK. But, I have thought that with nearly all of them!

Will be good if you can spot the flaws. I am thinking how lucky I am to have you on my side!

Thanks yet again!

mouseann

GeorgeUK wrote: »

Mouseann, no need to worry about them sending back the £1 (if you were).

Thanks George,

Not sure I was worried. More worried about the fact that this one looked a bit "professional" - but Niddy is on the case!

And at least I am £1 better off now - won't spent it all at once!!

mouseann

dunclane wrote: »

I took out a Morgan Stanley Credit Card in 2003 that has changed hands to Barclaycard. I am definitely going to ask for my true copy of CCA.

Good luck and I'll let you know how I get on!

Thanks Dunclane,

Please do let us know how you get on!

But Niddy is right about the default - if you have my thread you have probably realised that I have very little to use (including my reputation) which is why I am going down this route! Don't want to repeat the story yet again!

One of my many cards was a Morgan Stanley, which was acquired by Barclaycard. When I asked for the CCA they sent me a signed application form with all the details (including bank accounts!) of another person who happened to have the same last name as me. With the help of Niddy, I wrote to the and am still waiting their reply. I am quite interested to knowwhat they say!

never-in-doubt

mouseann wrote: »

It did take me for ever to get them scanned - and I did think they looked OK. But, I have thought that with nearly all of them!

Will be good if you can spot the flaws. I am thinking how lucky I am to have you on my side!

Thanks yet again!

Hi Ann

Ok, it does look good.

Like finding a needle in a haystack, so right now lets try and confuse them and let them explain to us why they think it is enforceable. Actually, it is (shhh) - but i've seen a couple of wee faults, which in themselves is not enough to win in court - but it would be if I went to court, however we don't entertain that notion usually. I think it'd be prudent right now to send this off: CCA Query

See what they come back with. Primarily, they have sent the application form and several sets terms, which luckily do conflict with each other none moreso than one being illegible and a clear copy/paste and the other seems to be the most recent version. That is good, but not when it was not a variable agreement to begin with.

I suspect they think that the application form complies, to an extent it does but not really because although it does link to terms, it does makes it clear that these should be on the reverse. I personally think they will have a fight on their hands unless they can send an actual copy of the original to you. That's what we will go for right now.

Faults to date: No CCA, the PT's are not linked to and embodied within a signed agreement and the form does not have a *lender signature nor the *limit
*(these are the two things that alone cannot enforce unenforceability).

However without me stripping their terms apart, its not worth the hassle, we'll go on the basis that this one is a good 50% enforceable or 50% unenforceable, however you look at it. So right now, you need to see what they actually do have - thus we'll ask!

Send this CCA Query and see what happens But do not worry, this is one problem out of 17 so it's not too bad.... we'll see what they come back with in their reply...

mouseann

Bless you Niddy,

And thanks so much for wading through all those documents!

Will send the query letter off tomorrow and report the response - of couse!

Where woul we be without you???

savingwannabe

Flippin heck off i went to see my counsellor and i have missed Lord of the Rings on here.

Talk about a full scale battle.

And the result so far appears to be:

Ann, The Nid & the George 16 Naughty banks 1

Hooray. Decent result all round.:j:beer::rotfl::beer::j

mouseann

Hi SW,

Welcome back Hope the counsellin went well.

Yes, things are progressing quite quickly now - at least with some of the banks. NID is doing his normal "superman" act - he is just amazing!

savingwannabe

Crumbs. I am soo pleased for you. You must feel so much better. I hope you are being kind to yourself.

Well done everyone for your fab advice and thank you for making my friend feel so much better.

mouseann

Thanks SW,

You are very kind.

savingwannabe

I think you are really brave. I wonder how many people you have inspired by setting up this thread?

I am going to bed now i think. Shattered after counselling.

Goodnight all.

:j