Thread: Mercers credit £1 CCA request fee to Barclaycard Account

Hi WHT,

This is a very dodgy move on the part of the DCA although, as you've been paying them recently, it will not affect your situation. It would make a difference to a debt that was near or beyond 6 years old and would stop the debt being Statute Barred (where the DCA can no longer chase an older debt).

You should write to Mercers and say:-

"The £1.00 fee enclosed with my letter of date was in respect of my formal request for the Credit Agreement under the Consumer Credit Act 1974 (Sections 77−79) and you have no right whatsoever to credit it as a payment to my Barclaycard account.

You have already failed to respond within the 14 days allowed so the account is now formally IN DISPUTE. Accordingly:-

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.
* You may not instruct or allow a Local debt collection Agent to call on me.
* You may not add further interest or any charges to the account.
* You may not pass the account to a third party.
* You may not register any information in respect of the account with any credit reference agency.
* You may not issue a default notice related to the account.

I now require your confirmation that the £1.00 fee has been correctly credited as payment for my CCA request, or it should be returned to me.

I await your response and will, if necessary, report your actions to the relevant authorities.

YF,

W H Turned"

Any news on this one WHT? Had the same with Barclays, £1 credited to account. I wrote directly to the complaints dept of Barclays and got the agreement very quickly afterwards.