Thread: Angmarie -v- BC and Mercers

Hi Angmarie,

I've moved your post from where you put it to here, in a new thread. Use this thread from now on to d/w this particular a/c.

Are there any penalty charges on this a/c which you haven't yet reclaimed. This would be a good defence against them registering a Default against you.

There's a big difference between a threat to Default, and the Default itself - check it out.

Also, if a DN has been issued, check on who actually issued it.

Slick

Please help me if you can, i dont have any new thread option on my screen have read FAQ several times. I missed payment with BC they sent reminder, before i could even file reminder mercers letter received. Have never dealt with mercers in my own right (only hubby account) they say a default been applied but have untill 14th july to make payment.

Today 2nd July have received letter power2contact (who the hell are they) says they have been appointed on behalf of mercers as hard to locate parties. (its a complete outragious scandle). They are going to knock door in next 72 hours. I always intended paying before 14th July anyway but dont understand this letter at all. Ever heard of them shall i phone or write please.


Ang

Hi Angmarie,

I've moved the above 2 posts from another thread and put them here in your BC/Mercers thread - hope that's ok.

Re the threatened visit, don't let this fluster you - that's exactly what they want. Take a few deep breaths and read this - http://www.consumerforums.com/resour...doorstep-visit-

Print out the linked letter and, if someone does call round, give it to them, ask them to leave and walk away. Simple as that - no discussions.

Power2Contact are known to the site and do sometimes visit.

If you want to pay BC, do so but don't be intimidated into doing so if you don't want to.

Originally Posted by angmarie

Slick to the rescue once again, thank you for your time and patience.
Did you get my point though, ive never ever had any dealings with mercers but the letter insinuates that they been trying to trace me for some time. I have read your link so thanks for that im thinking i'll borrow my neighbours 2 rotweilers for the day, might as well have a good laugh on them lol. Im just shocked had account for 10 years 2 missed payments in that time payed 1 in last week and micky mouse default letter clearly states missed payment by 14th July. I bank with Barcaly's so am thinking got to be bit careful although we changing bank account very soon. (maybe sooner the better), if things get messy. This letter is pure manure I may try scan and post on here tomorrow but i think im still going to phone BC in the morning to ask what game they playing.

Thanks once again

Ang

DEFINATELY change your bank account, the bank has something called the right to offset which means they can take money from one account to pay off the debt off another without asking/notifying you at all.

As to the claim about unable to contact you, its a standard template letter they send so it may relate to you or it may not, they just want to scare you into thinking someone will visit who has powers to break in and take stuff or intimidate you... when in fact it could be some old bloke who is earning peanuts going around knocking on doors saying "please contact mercers" .

S.

Hi Angmarie,

Don't take any of this personally - as TS says they're using template letters.

Make sure to reclaim any penalty charges made to the a/c, even if it's just a few. You're entitled to the whole amount charged and NOT just the excess over £12, dispite what BC may say.

Hi Angmarie,

Please check your shoes for dog poo. You must've stepped in some to be so lucky with BC !!

Make sure you check on the next statement and ensure the FULL amounts of all charges are refunded.

Hi AM,

If you read other threads here in BC forum, you'll see the hassle this is causing many CAGgers. BC will not normally send out credit agreements.

You can certainly complain that the doc'ts sent so far are illegible and therefore fail to fulfill the obligations imposed on BC by the CCA 1974.

But complaining wil NOT get you sight of the agreement.

Any sign of the refund of charges yet. If they haven't done so by your next statement, you'll need to reclaim from them using the proper procedures - ie Prelim Claim letter then lba.

Have you filled out a site spreadsheet yet for your SOC (Schedule of Charges).

Hi AM,

I have not heard a peep from Barclays/Mercers regarding refund of overpayment since I sent the letter before action which you suggested, so few more days then im good to go on the LBA route.

I assume this refers to your other thread - please don't mention it here as it will just confuse us (well ME anyway).

Re your comments about not paying on OH's a/c so they will refund charges, I think Mercers were talking rubbish when they said they'd refund charges if you paid them what they want.

They'll say anything to get what they want - ie to get you to pay. If they DO refund you as promised, then great. But I think they've just lied and you'll get no charges back until you send the proper Prelim Claim letter with your SOC.

I suggest you send off Prelims for you and OH, each with a SOC and get this onto a proper footing. Start a new thread if you want to discuss OH's case. Perhaps pay the missed payment too, unless you've already got the a/c in dispute re a CCA request.