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Gold mastercard

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  • Gold mastercard

    Hi all

    I got a Morgan stanley gold mastercard a few years ago. it was a balance transfer offer of 0% for five months. last year I started to get statements from barclaycard for this card - i am assuming that they bought the other over? I want to know if my CCA is enforceable so who do I send a CCA request letter to?? Should barclaycard now have the original credit agreement and if they don't then is my CCA unenforceable?

    If the CCA is enforceable then I am going for a full charges claim and will be SARing Barclaycard. What can I do about any charges when the account was with Morgan stanley, can I claim these also and if so how do i do it?? Help please.
    Last edited by Roadrunner; 11th November 2009, 07:53:AM. Reason: mor detail

  • #2
    Re: Gold mastercard

    I would CCA whoever provides your statements, in this case barclaycard. Use curlybens template from the CCA library.

    As for reclaiming charges, i dont see why you cannot reclaim all charges for the period you have held the card from barclaycard.
    Once you have sar'd them, you just send them a request for repayment and include all charges for the duration you have held the card.

    Fire off the CCA and SAR requests and the take it from there :okay:

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    • #3
      Re: Gold mastercard

      Thanks, will do with Barclaycard. What about charges when card was with Morgan Stanley?
      Last edited by Roadrunner; 11th November 2009, 12:35:PM. Reason: spelling

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      • #4
        Re: Gold mastercard

        they should be included in the info supplied by barclaycard

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        • #5
          Re: Gold mastercard

          Originally posted by Roadrunner View Post
          Hi all
          I want to know if my CCA is enforceable so who do I send a CCA request letter to?? Should barclaycard now have the original credit agreement and if they don't then is my CCA unenforceable?

          If the CCA is enforceable then I am going for a full charges claim and will be SARing Barclaycard. What can I do about any charges when the account was with Morgan stanley, can I claim these also and if so how do i do it?? Help please.

          Is the acount in arrears at all, have you been getting harassment from DCAs etc? Do you have a repayment plan in place at all?
          Is no longer here

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          • #6
            Re: Gold mastercard

            Is the acount in arrears at all - No, I have not fallen more than one month behind and the account is currently up to date with me making minimum payments but it is a real struggle to find the money each month.

            No harassment letters from DCA but phone calls from Barclaycard day after due date requesting payment. I have been late with payments virtually eavery month this year with £12 late payment fee for each.

            I haven't a repayment plan in place yet but want to pursue this - how do I go about it?

            Comment

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