Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
a very good afternoon,
i hope you can help me, i was put in touch with CCCS my barclaycard
when i could not keep up my payments, i have since had my telephone interview, completed my forms and returned them to CCCS, i also sent my notification of debt management plan forms back to barclaycard. i havealso been in weekly contact with barclaycard on the telephone giving them my CCCS ref. no. and explaining what i was doing.
yesterday out of the blue i received a very rude telephone call from Mercers saying they were going to "send round the bailiffs if i did not pay" i explained i was i contact with CCCS and barclaycard trying to sought this out.
after this finished i telephone barclaycard but of course on a saturday
night at 7.30, not much joy, but a very helpful lady did register my complaint and told me to phone back on monday.
i of course did try to phone CCCS but they are closed on sat/sun.
sorry to go on but this has now really worried me.
a couple of questions really. can Mercers really send round the bailiffs,
i have been in constant touch with barclaycard and explained eveything, why would they go to such drastic measures when they now im in a debt management with CCCS.
sorry to have gone on so much but this is really worrying me now.
thanks winchester
Mercers are able to send a bailiff, however, you don't have to let them in, thats the key point!- you don't have to let them in, so don;t!
AB123uk
Unless there has been a county court judgement, Mercers ARE NOT able to send a bailiff around.
Mercers could send a collection agentaround, who would be their employee, and who would exercise no powers. This collection agent would be tresspassing if he were to refust to leave after you tell him to go away. In such a case, you could call the police and tell them you believe a breach of the peace is imminent.
The police would be obliged to turn up, and since the collection agent has no legal right to be on your property, would have to remove them.
i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.
Tomterm is correct. Mercers are neither more nor less than a division of Barclays Bank and act as collection agents.
They have no legal right to send a bailiff and I doubt very much whether they would even bother to send a debt collector, unless you owe a huge amount which, knowing their mean credit limits, I would doubt.
On Monday call CCCS and ask their advice. I have found them to be excellent. Reading between the lines it sounds as though you are still in the process of setting up a debt management Plan, in which case it is important to send Barclaycard a token payment of £1.00 every month until
the dmp is set up.
CCCS would have sent you a standard form to complete saying why you are unable to pay at the moment - have you sent that to Barclaycard?
By the way call CCCS at 8.00 a.m. on Monday as it can be extremely difficult to get through at times - failing that wait until, say, 5.30 p.m.
They have worked well for me, so I see know reason why they shouldn't do the same for you.
Incidentally, it would probably be helpful if you asked a moderator to post this thread on the Barclays forum - you will get more specific advice there.
I'll follow your case, and if you feel I've been of any help please give my scales a click (that's the grey blob between the green globe and the red triangle at the bottom left.
Forgot to say last night you must inform Barclaycard/Mercers by letter, keeping a copy, and sending by recorded delivery (though goodness knows when they will get it this week) that you will no longer accept telephone calls from them, and all future communications must be in writing.
thanks for all your help on here, i have phoned CCCS this morning and they have said to ignore Mercers and if they continue to harass by phone to tell them that i amrecording the calls.
is this a good idea?. and yes please if this could also be put on the barclaycard/Barclays forum please.
thanks winchester
sorry forgot to say also phoned barclaycard or so i thought ,but was speaking to a very helpful lady at mercers?? told her about sat phone call, and that i was not going to accept phone calls from them only deal with them in writing.
will this suffice or do i still write to them saying this.
thanks winchester
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good evening,
i received my pack from CCCS last week also informing me that they have written to barclaycard, so much to my surprise or maybe not this morning received another phone call from mercers virtually demanding my bank details so they could take a payment next week of course i refused. straight away phoned CCCS and yes they wrote to barclaycard last week informing them of my debt plan.
then this evening another phone call from mercers what can i do please.
winchester
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
So every time the 'phone rings it causes you unnecessary anguish. This will help. Good luck with your claim. Just remember credit cards are not covered by the test case so it is business as usual. http://www.consumeractiongroup.co.uk...se-letter.html
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good afternoon i am new
plan forms back to barclaycard. i havealso been in weekly contact with barclaycard on the telephone giving them my CCCS ref. no. and explaining what i was doing.
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Originally Posted by ab123uk
