Thread: Beachy v Barclaycard/Mercers take 2

Thanks JOgs,

Your the only reply I have got on this thread.

How do I take the battle to Mercers, they are bang out of order as well as BC for passing it to them.

BC will not entertain any form of payment plan (other than full minimum payment) even budget planner from NDL.

They drove me last year to the brink of me harming myself with their constant harassment, I had to miss other payments in order to get them off my back, this was of course before I found CAG.

Beachy

Bumping

For advice on how to deal with default notices from Mercers.

Originally Posted by emmaf01

Have you sent the account in dispute/bemused letter?

I know it's like teaching grannies to suck eggs when I'm talking to you BC, but I have to ask! (It's my new job)

Hi emma,

Thank goodness someones out there, starting to think I'd been left out in the cold.

I have been sending dispute letters since they failed to provide a copy of my agreement last November, all I get in reply is copies of T&C's 'at the time the account was opened' & current T&C's.

They totally ignored my lba in regard to non compliance to SAR in which I also asked for a copy of my agreement - this complaint is currently with ICO.

I have been paying double the amount NDL said I should pay because BC flatly refuse any sort of payment plan, even in default they are adding interest & charges to the account.

Mercers have now popped out from the woodwork and slapped two default notices on each account (this has been the only contact from Mercers, I am hoping to scan the notice up tonight when I get back as Iam sure they don't comply. I want to avoid having these defaults being registered with the CRA's if possible has I bank with Barclays - although C1 has already ruined my Credit rating.

I have asked for their complaints procedure but this has also been ignored, I wonder whether I should send the bemused letter to Mercers and a stinking letter to barclaycard.

And I thought C1 were hard to deal with!

Don't worry about the sucking eggs comment, tried blowing birds eggs as a kid with my older brother (before it was illegal) second attempt I had a very rotten Egg which promptly stopped the 'collecting' I must add that this was over 50 years ago.

Beachy

Originally Posted by harrassed senior

Did you every follow up on the lba letter?

TBH, I haven't followed it up with court action, it's only been a few weeks since my deadline - mainly due to costs issues - I have been waiting to see what the ICO came up with.

Iam well known for being a pesimistic optimist.

Mornin'

Yeap '....being investigated & awaiting a response from Barclaycard'.

Funny how when you owe money they want it like yesterday, but when you have cause for complaint or they owe you money it takes for ever.

Beachy

Right well here we go :-

scan 1 & 2 is the cca Barclaycard have sent, each time I complain/dispute they send the same again, this has been going on since Nov. '08, I have enough now to start floggin' 'em on ebay!





Scan 2





Mercers have now appeared on the scene and without any previous correspondence from them I have received the following default notice :-










Beachy

Bump

..

That was lucky! I was just pulling away from Mumbury Services on the M4.

I managed to fire off a snotty bemused letter to mercers this afternoon, I can remember seeing somewhere a letter to the OC about passing an account to a DCA while in dispute but can't remember where I saw it, fed up sending dispute letters so need something strong.

Intend firing off a CPR letter tomorrow, didn't know there was a newer version - any pointers as to where I find it? I think this is my next step also.

Giving ICO another call tomorrow as well as fos, TS and possibly my MP.

What I would like to know is if Mercers DN complies, I have my doubts.

Slick has confirmed in the past that they have not complied to my cca request as all they sent (each time) is T&C's.

Have to move off now or I'll miss my drop off slot, I can receive updates while on the move but won't be able to reply until I park up again.

Beachy

DOH ! !

Out of the blue this morning the postman delivered - wait for it - my fifth copy of T &C's which Barclayshark claims to be my true copy of cca, strange thing is I didn't request it via the £1.00 route! It was request via the CPR route.

Beachy