Free's UE Diary

[Never-In-Doubt]

Re: MSDW CCA

The document is enforceable unfortunately. However no linked terms so that poses a problem but easily rectified.

In the meantime respond with this and see what they come back with, and don't panic - just stand firm:

CCA Query - Application Form Received

Keep us updated with any replies....

[Free]

Re: MSDW CCA

I had a Morgan Stanley Credit Card since March 2000 - Now owned by Barclaycard. I CCA them in Feb 2009 and received no response. I have not paid them since then. This has been with a number of Debt collectors over the years power to contact Moorcroft Westcott etc, but now Barclaycard has finaly sold it to Lowell's.

Today I have received in there opinion my CCA.

I have looked and

· Its looks like an application form.
· Its illegible.
· It seems like a lot has been cut and pasted (see 4 on the CCA)
· If you look at the boxes they are out of line and not in flow.
· No signature from Morgan Stanley.
· It is just appears like a poor imitation.
· Box 1 the date is not my hand wrighting also it an incorrect date 03/02 note date in box 11 its 03/00
· Box 4 is obscured
· It just looks knocked up

My questions are.

Is it enforceable?

---------------------------------------------------------------------------------------------


Lowell’s have said they have bought this debt off Barclaycard and no terms and conditions from them.

Over the years from Barclaycard they have sent there recent terms and conditions and say they have fulfilled their obligation to my request. It has been to one debt collector to another with various threats from them but just template letters and no action.

It was defaulted in April 2009 by Mercers.

Please can you inform me of how to post up the document, I am cautious as it has a lot of pers info?

I did email Niddy and was asked to open a blog.

Thanks

[Free]

Hi,

This is my first post. I have a few accounts, as follows:

Morgan Stanley CC

• Type of account -- Credit Card
• Date commenced --2000
• Approx balance -- £8000.00
• Date last paid -- Dec 2008
• Are you on arrangement or not paying -- no arrangement and not paying
• Status Defaulted by Mercers april 2009
• Account owner Lowell

Barclaycard Littlewoods

• Type of account -- Credit Card
• Date commenced -- 2003
• Approx balance -- £1100
• Date last paid –Dec 2008
• Are you on arrangement or not paying -- no arrangement and not paying
• Status - Default Mercers June 2009
• Account owner - Lowell

Barclaycard

• Type of account -- Credit Card
• Date commenced -- 1995
• Approx balance -- £8000
• Date last paid –Nov 2008
• Are you on arrangement or not paying -- no arrangement and not paying
• Status - Default Mercers Dec 2008
• Account owner - Lowell

Halifax (Bank of Scotland)

Type of account -- Credit Card
• Date commenced -- 1996
• Approx balance -- £2200
• Date last paid –Nov 2008
• Are you on arrangement or not paying -- no arrangement and not paying
• Status - Default Bank of Scotland Jan 2009
• Account owner - 1st Credit