Morgan Stanley Barclaycard sold to Lowell

[rockwell]

Good morning PI & FV, I was trawling for some information on CPUTR and found you all, what a pleasant surprise!

I may ask a question soon on CPUTR as I have a 2004 Morgan Stanley Barclaycard just sold to Lowell. Lowell are threatening a statutory demand. I have a seriously bodged cut & paste agreement from BC in response to a CCA request so a request under CPUTR may be effective. I feel it is time for a retaliatory strike!
Best wishes, R

[jon1965]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Good morning Rockwell and welcome. Nice bunch aren't we.
I will leave it to the experts to suggest anything else, but if you haven't already checked Niddy is the man to tell you if the agreement is enforceable or not.

[rockwell]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Good morning Rockwell and welcome. Nice bunch aren't we.
I will leave it to the experts to suggest anything else, but if you haven't already checked Niddy is the man to tell you if the agreement is enforceable or not.

Thanks Jon, the agreement looks enforceable with all the prescribed terms. They have cut a signature from the application form. The question is, do they have a copy of the original to proceed to court? and not a cut & paste done by the teaboy in his lunch break!

[Never-In-Doubt]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Well can I see and I'll tell ya!

[rockwell]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Here it is! whole sections missing. My question is, do they have a copy of the original and will a CPUTR question force their hand.
Thanks NID.

[rockwell]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Just to add, there are apparently loads of different agreements all purporting to be MSDW from about 2004/2005. I don't believe they sent a different agreement to each applicant!

[vint1954]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

hi Rockwell,

The agreement looks to be illegible.

If you can sort a better scan out, possibly jpeg, then e mail them unedited to Niddy. There is a link in his signature, email CCA.

Vint

[rockwell]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Thanks Vint, it's very difficult to read the copy they sent, I'll try to send to NID.

[vint1954]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Thanks Vint, it's very difficult to read the copy they sent, I'll try to send to NID.

The one thing it must be, if enforcable, is legible, copy document regs and all.

Niddy will let you know.

Vint

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Hi Flowerpower and thank you for the welcome.

This has so far been to virtually every DCA in the land! from Barclaycard in house (Mercers & Calders) to Moorcroft, Midas Legal, Westcot, Credit Security, possibly one or two others, and now Lowell who seem to have purchased the account. I received an assignment letter from BC in the same envelope as a Lowell letter, the BC assignment letter was obviously hacked together by Lowell...I gather this is acceptable! I may SAR BC shortly to confirm that the a/c was sold.
The reason I thought of CPUTR initially was to prempt Lowell and let them know I'm no pushover.

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Assignment letter and lots of threats from Lowell, their latest advising me Red Collections (aka Lowell) may issue a statutory demand. As I mentioned I would like to let them know I'm a fighter!
Many thanks Flowerpower

[vossy]

Re: Morgan Stanley Barclaycard sold to Lowell

I'm no expert so - welcome

[Deepie]

Re: Morgan Stanley Barclaycard sold to Lowell

Have a look here------>Section 4 - Final Responses... Section 5 - Legal Threats
I don't know what you have sent or received so can't say

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Niddy has confirmed that my MSDW agreement is unenforceable, I'm not surprised as it is the most badly hacked together piece of junk I've ever seen!
As Lowell have bought the debt, time to tell them to eff off.

A quick question on an issue I'm unsure of, the amount claimed is full of unfair charges etc, should I consider reclaiming from BC or leave it alone. Would a claim acknowledge the debt? a bit of a minefield!
Great site by the way!

[Deepie]

Re: Morgan Stanley Barclaycard sold to Lowell

Niddy has confirmed that my MSDW agreement is unenforceable, I'm not surprised as it is the most badly hacked together piece of junk I've ever seen!
As Lowell have bought the debt, time to tell them to eff off.

A quick question on an issue I'm unsure of, the amount claimed is full of unfair charges etc, should I consider reclaiming from BC or leave it alone. Would a claim acknowledge the debt? a bit of a minefield!
Great site by the way!

It depends on the balance ..........