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 have been around the block a few times with Barclays and Mercers and managed to get quite a reasonable deal from them which for reasons of being crippled unfairly by a sub prime 2nd charge loan threatening repossession at every twist and turn I could not keep up with.
The upshot is that I have now been issued a DN on Mercers headed paper despite the envelope being posted from Northampton. Leaving that aside I have very narrow grounds for dispute as they refunded the charges. There are minor grounds but not significant ones but I do not want Mercers hounding me especially over Christmas (unlikely but not impossible), or for that matter after Christmas (certainly.)
So 2 questions...
1. Can I nip Mercers in the bud on narrow minor issues raising dispute?
2. Shall I CCA the edits in the meantime since we all know they ARE Barclays? If I do so are there any points I must use when dealing with Barclays/ Mercers that are specific to them?
OK so that's three questions actually... (sorry)...
Thanks and Seasonal best wishes to all no matter how big or small your struggle with the evil empire. I believe we are at The Empire Strikes Back stage of the trilogy...
Keep the faith. EiE.
Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law
A default from Mercers is usually inaccurate as they say they act on BC's behalf but fail to give BC's full trading name and address on the DN.
You can dispute the validity of the DN but they'll usually ignore your assertions and carry on making demands.
If youy want to avoid their phone calls over Christmas, or any other time for that matter, ask Santa for this - The Consumer Forums - telephone recorders reviews. It will put an end to unwanted calls and I've heard good reports from those that use it.
I'd send Mercers a CCA request. It may just keep them quiet for a short time. Don't expect your credit agreement in response though. BC will not send this out voluntarily. They may do eventually if you get the fos to intervene.
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.
Mercers DN - Guidance appreciated.
and Mercers and managed to get quite a reasonable deal from them which for reasons of being crippled unfairly by a sub prime 2nd charge loan threatening repossession at every twist and turn I could not keep up with.
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