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.
I'm going to bullet point my problem so hopefully it's easier to follow.
1. Received £120 from Barclaycard when asking for £346.46
2. Told I accepted as part payment
3. Received a letter stating within 3 days of letter my cred limit would drop to £260 from £600.
4. Heard nothing back from Barclaycard.
5. The sudden drop in cred limit got me into another mess with charges.
6. Sent the same letter to Barclaycard again, heard nothing.
7. Account referred to Mercers.
8. Told Mercers about my problem, not very sympathetic.
9. Still no response at all from Barclaycard - this time asked on letter to freeze account to solve dispute and prevent further charges.
10. Then received letter from Scot Call telling me to contact Mercers or else.
11. Contacted mercers who said pay £52.00 otherwise people coming to my door etc. - who when I told them I didn't believe I owed that money Isuggested sending copy of letters sent to BC to mercers to show whats going on. He actually said to me the account would be moved to ScotCall on monday and I couldnt deal with mercers anymore unless i coughed up.
12. Rang ScotCall who said that wasn't the case but still decided to add that people were coming round to collect the money.
Hope that makes some sort of sense. I'm really troubled what to do. I do owe some money to them but confused on how to deal with three parties either not contacting or giving me differing info.
Well, just to go on from there, I've agreed to pay an amount with mercers which will put my account back with barclaycard next friday and then we will see what happens from there.
First advice is don't talk to them. Mercers and Scotcall just want money from you and are not interested in resolving your charges reclaim. Tell them to put anything in writing and hang up.
Have you sent the site's Prelim and lba letters and when.
You may be able to get your chgs refunded without filing at court but you must be prepared to do this if nec'y.
If you've suffered further a/c chgs since your Prelim ltr, you can update your SOC to include latest chgs up to when you file at court.
It's up to you whether to pay BC/Mercers - if it keeps the a/c in order so you can continue to use it, thats fine. However, if you're not happy to pay, then don't.
Assuming you've done the Prelim ltr already, they already know the a/c is in dispute and should not be demanding pay'ts from you.
Give us details of your claim to date (ie dates and types of ltrs sent) and we can advise on your next moves.
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.
Barclaycard Account in Dispute
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