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.
Had a letter today from Mercers (sorry for spelling errorin thread title!)- acting on behalf of Barclaycard and wanting me to pay the full minimum or they'll do this and do that. I was going to pay 'some' to Barclaycard but now am inclined not to. Have asked Barclaycard if they will reduce interest rate (it is some astronomicall 30-40% I believe) but they refused. They have not replied to last letter asking why not etc which I sent over a month ago.
I have already been defaulted by other credit card companies so that threat is an empty one. My concern is that my mortgage is with Barclays and any complications with Barclaycard will cause problems in future.. or they will try to take money from mymortgage 'reserve' which is zero (!!) or my overdraft which is maxed out.... somehow I feel they will do this?
Had the original cca off Barclaycard some months ago which I recall was not enforceable. I then cca'd them some time back as I'd read a thread about some dodgy ccas being typed out. I then got one of those new typed out ones rather than the one I got initially to my SAR.
What I would like to do is pay Barclaycard some money - cannot afford minimum amount but do not want to go onto a repayment plan as in a couple of months they should get their full minimum (mainly because I've stopped other card payments!)
I also do not want to give Mercers nor Barclaycard the satisfaction of thinking I am reacting to their red letter.
Any advice based on experiences with Barclaycard or Mercers?
There's an easy option with Mercers, ignore them!!
I CCA'd BC earlier in the year and all they sent was a current copy of their T&Cs so I put the acount into dispute. A short time after I got the first letter from Mercers threatening legal action etc followed by several more, then a default notice from them.
Then I started getting threats from Calders which, like Mercers, is just Barclaycard in disguise. Again I ignored them and now the debts been passed to Credit Solutions Ltd.
Just had a letter from these cowboys to say a copy of current T&Cs are a valid response to a CCA request, I'm going to have some fun with these jokers
My concern is that Barclays will use their "Right to Set-Off" and take money from any other Barclays a/c and give it to BC to cover any arrears.
You should really be careful as any money you pay into the bank will be at risk. They're not fussy and will happily take funds to pay the BC arrears leaving you short for mortgage payments or anything else.
If you have another a/c you could use, consider doing this.
You could try telling BC this is a temporary problem and see if this will buy you some time. But BC aren't famous for their undersatanding nature.
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.
Barclays don't let me have any of my mortgage reserve so surely they cannot let anybody else have it? Almost wish they would do that as the interest is much lower!!
Now had a statement from Barclays wanting me to pay overdue amount by next month.. that contradicts what Mercers have said... whom I'm ignoring.
Any further advice? Also is there no easy way to get barclaycard to reduce their amazingly high APRs as I'm struggling just with their interest rates to be honest. Is there a way to calculate how long it would take to pay back in years based on interest rate + minimum payment %? I wrote to them a while back stating I would be dead before it would be paid off (ie probably 100+ years!) and could they reduce interest rate. They refused.
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.
I relaly do not want to use third parties. Live in rural area and everybody knows everybody. I already had consumer direct people refer me without knowing to my local trading standards where they everybody knows everybody else.
Strange thing is have not heard from mercers for 2 weeks now.
I understand but CCCS, for instance, are a national set-up and may be able to help set up an arrangement which BC would honour. This wouldn't involve anyone local to you, I'm sure.
Glad it's been quiet - don't hold your breath though.
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.
What are Mercers like?
is with Barclays
Reply With Quote
