AA99 v Barclaycard No2 a/c - Page 2

AA99 · 6th January 2009, 13:19

Formal Complaint sent today

uptoneck · 6th January 2009, 14:00

They'll probably send you a load of rubbish by way of reply saying the 1983 SI allows them to omit anything they please based on their favourite legal case, Rankine vs Amex.

See my thread here to see what you can expect.

AA99 · 14th January 2009, 20:35

Letter dated 8 Jan, received 12 Jan, from Calder Financial (1st time ever from them) saying OH has failed to contact them. 7 days to pay full balance or else, blah blah blah

uptoneck · 14th January 2009, 21:53

It's reported elsewhere on the forum that Calder financial are just Mercers/Barclaycard under another name.

AA99 · 14th January 2009, 22:12

Thought as much, thanks !

AA99 · 2nd February 2009, 15:59

OH Account - CCA requested 04 Dec 08 !
39 calls from Mercers from 12 November 2008 - 06 Jan 2009
19 in December alone!

davey77 · 3rd February 2009, 01:57

Don't suppose any of those calls are silent?

AA99 · 3rd February 2009, 09:48

Yup, and nearly all Number Withheld

davey77 · 3rd February 2009, 15:43

If they are computer generated silent calls then a complaint to OFCOM is in order. There is a maximum £50,000 fine for companies that bombard consumers with numerous silent calls.

"Government has confirmed today that the maximum financial penalty that Ofcom can impose will be increased from £5,000 to £50,000 for each breach of the rules."

Silent calls (when you answer the phone, there is nobody there) | Ofcom

AA99 · 3rd February 2009, 16:50

Trouble is, they were silent and numbers withheld, so how do I report them

Besides, I've already got more than enough recorded calls, with 'human beings'

and their numbers and their manner of speaking recorded anyway and a stressful visit to the doctor today who has made a note of it

davey77 · 3rd February 2009, 17:02

I am sure that OFCOM, either via BT or there own methods, are capable of tracing where a 'number withheld' originates from. Even through asking for the computer logs for calls from the organisation responsible to trace and calculate the number of calls dialled to an individual consumer.

You can state it is your reasonable belief that these calls originate from this lender and ask them to investigate as a matter of urgency due to the continual harassment being received. (Which is directly affecting your health.)

Trouble is, OFCOM are not interested in human beings calling but they are (should) take a dim view on the silent calls. I think it's well worth a try!

AA99 · 3rd February 2009, 17:20

Cheers davey, with 8 creditors all guilty, I think I'm quite looking forward to suing them all now

AA99 · 27th April 2009, 13:05

12 Mar 09 - Wrote to BC reminding them of original request for CCA on 14 Nov 08, also gross amount of calls, copied to Mercers/Calders.

18 Mar 09 - Reply received, CCA will be sent in separate post

27 Apr 09 - Undated Notice of Formal Demand for total with interest and charges included.

Time for a CPR31

Copies attached: <a href="BARCLAYCARD ACC2 :: Barclays9005Letter12Mar09 .jpg picture by AA99 - Photobucket" target="_blank"><img src="http://i390.photobucket.com/albums/o...ter12Mar09.jpg" border="0" alt="Photobucket"></a>

slick132 · 27th April 2009, 14:03

Hi AA,

If you haven't started on the CPR strategy, do so now. You'll get nowhere with the CCA route.

Have you read this - CPR Strategy - IMPORTANT SUCCESS for smt37

You can send the 1st letter now, then the 2nd. When the time is up on the 2nd, you should have an idea of how BC are playing it in smt37's case.

AA99 · 27th April 2009, 14:20

Thanks Slick, I have been following the couple of successes with great interest so far - will send them all the CPR letter now

slick132 · 27th April 2009, 14:31

Couple ??

If there's another besides smt37, please let me know.

AA99 · 27th April 2009, 14:36

No, sorry, I meant successes to include Miss Muppet v MBNA

AA99 · 29th May 2009, 13:34

Still no sign of my CA which BC acknowledged on 18 March

2 letters from Debt Managers Ltd this week. 1st one was an URGENT FINAL DEMAND. 2nd one is headed Settlement Opportunity - we may be able to take advantage of a possible, without prejudice, reduction !!!

I shall bang off a CPR31.16 this weekend

AA99 · 2nd June 2009, 17:53

I haven't gone CPR31.16 route yet, because sexy first name only girl phoned from DM this morning asking to speak to my OH, first name only

Wouldn't speak to me so gave her some recorded cheek about going this his wife first before sexy first name only girl could speak to first name only OH

When she revealed where she was calling from I told her he didn't talk on the phone anyway because he's deaf so I promised her a written response to their letters today.

What I have sent is a letter to BC referring me to their letter in March promising me my CA in separate post which I still haven't received. Pointed out I had been harassed by Mercers, ScotCall, Calder Financial and now Debt Managers, since that time. Copied this letter in to sexy first name only girl

slick132 · 2nd June 2009, 22:54

Thought I was reading a soap opera here !!

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and ensure this site will remain free to use!

Small Claims Kit--	Small Claims Court Guide New Edition	Consumer Action Group envelope labels	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki