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Hi Everyone,
I have not posted on here really as was posting on another site. A long story but i had a Morgan stanley card in 2005 this was bought out by Barclaycard in 2008.
I have always paid my bills even during excessive rate rises which i didn't know i could have opted out and closed account as they did not tell me.
After being made redundant several times and taking lower paid jobs i was unable to sustain the payments on my cards. Do not have any ppi to reclaim but there has been penalty charges made by Barclaycard.
I did a sar along with cca section 78 request and have only had a illegible application form from morgan Stanley not Barclaycard. This has been sold to MKDP for a minimal value who took a case out from the Bulk centre.
I requested all documents under cpr 31.14 from them and sent a CCA request aswell. They did not send any documents to me and i had to submit a defence without seeing all the documents listed on their POC on which they relied.
They have decided to continue and i have now received an allocation form ? to fill out.
I think i should have applied for a N244 to strike out but didn’t at the time can i still do this now as i believe they should have had all documents available before commencing a claim and this is an abuse and possibly contempt of court ?
Would be grateful for some assistance on this
I have not posted on here really as was posting on another site. A long story but i had a Morgan stanley card in 2005 this was bought out by Barclaycard in 2008.
I have always paid my bills even during excessive rate rises which i didn't know i could have opted out and closed account as they did not tell me.
After being made redundant several times and taking lower paid jobs i was unable to sustain the payments on my cards. Do not have any ppi to reclaim but there has been penalty charges made by Barclaycard.
I did a sar along with cca section 78 request and have only had a illegible application form from morgan Stanley not Barclaycard. This has been sold to MKDP for a minimal value who took a case out from the Bulk centre.
I requested all documents under cpr 31.14 from them and sent a CCA request aswell. They did not send any documents to me and i had to submit a defence without seeing all the documents listed on their POC on which they relied.
They have decided to continue and i have now received an allocation form ? to fill out.
I think i should have applied for a N244 to strike out but didn’t at the time can i still do this now as i believe they should have had all documents available before commencing a claim and this is an abuse and possibly contempt of court ?
Would be grateful for some assistance on this
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