Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder Donel261 Novitiate

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    Default Mercers Debt Collection

    If anyone is getting calls from 08701242495 then it is Mercers debt collectionicon Agency working on behalf of Barclaycard.

    I would ignore the calls if I were you, it an automated dial up and my mother receives up to 30 calls a day from them, we are beyond angry now, we just cancel the call, or if we are in the mood have some fun with them, they don't want to waste time messing around with you if you wont put the person they want on so they must have some hefty targets to hit. poor things!!

    I have sent off the relevant letters asking them to stop and they have ignored, so no point speaking to them. Mind you, if you ignore them they may sell on the debt to Cabot, they are even worse!!

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  2. #2
    Basic Account Holder Bailiffchaser Novitiate Bailiffchaser Novitiate

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    Default Re: Mercers Debt Collection

    A few ways around

    1. caller reject available from bt/telewest you can stop upto 10 numbers from phoning you. costs approx £2.00 per month.

    2. annonymous call reject available from bt/telewest. £2.00 per month stops people who have witheld their numbers from getting through. they recieve a recorded message.

    put one of these services on and they will really p off these sorts of people. mercers are incidently Barclaysicon bank themselves.


  3. #3
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    Default Re: Mercers Debt Collection

    I have just read somewhere that Mercers are registered as non-trading at Companies House... worth checking out seeing as they are trying to get money out of you. Receiving payments = trading.


  4. #4
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    Default Re: Mercers Debt Collection

    Quote Originally Posted by PriorityOne View Post
    I have just read somewhere that Mercers are registered as non-trading at Companies House... worth checking out seeing as they are trying to get money out of you. Receiving payments = trading.
    They are non-trading and dormant.


  5. #5
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    Default Re: Mercers Debt Collection

    Naughty, naughty...


  6. #6
    Basic Account Holder 121o121 Informative 121o121 Informative 121o121 Informative 121o121 Informative 121o121's Avatar

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    Default Re: Mercers Debt Collection

    My mum had a phone callicon from Mercers at the weekend regarding her overdue barclay card payments.

    They told her if she didn't make a payment there and then the debt collectorsicon would be round to her house and / or place of work.

    Needless to say this put the frightners on her and she paid an amount she could not afford.

    I want to write a letter for her to send about threatening phone callsicon as i'm sure they are not allowed to do this.

    Anyone know of a good place to start?

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  7. #7
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    Default Re: Mercers Debt Collection

    Quote Originally Posted by 121o121 View Post
    My mum had a phone callicon from Mercers at the weekend regarding her overdue barclay card payments.

    They told her if she didn't make a payment there and then the debt collectors would be round to her house and / or place of work.

    Needless to say this put the frightners on her and she paid an amount she could not afford.

    I want to write a letter for her to send about threatening phone callsicon as i'm sure they are not allowed to do this.

    Anyone know of a good place to start?
    There is a letter in Bank templatesicon - Harrassment by Telephone... scroll down and you will find it. There is also a bit you can add to it re. harrassment by doorstep visitsicon......

    Please note that I am only prepared to communicate with you in writing. Should it be your intention to arrange a “doorstep call”, please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

    Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

    Should it be necessary, I will obtain an injunction.




  8. #8
    Basic Account Holder 121o121 Informative 121o121 Informative 121o121 Informative 121o121 Informative 121o121's Avatar

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    Default Re: Mercers Debt Collection

    great stuff, thanks Priorityone.

    also added a bit about OFFCOM & OFT.

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    Basic Account Holder 121o121 Informative 121o121 Informative 121o121 Informative 121o121 Informative 121o121's Avatar

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    Default Re: Mercers Debt Collection

    have just read somewhere that Mercers are registered as non-trading at Companies House... worth checking out seeing as they are trying to get money out of you. Receiving payments = trading.
    If this is true, could you say you will only pay Barclaycard as they are no longer trading?

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  10. #10
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    Default Re: Mercers Debt Collection

    Quote Originally Posted by 121o121 View Post
    If this is true, could you say you will only pay Barclaycard as they are no longer trading?

    I have recently found out that it's not as simple as that... read my thread in the Legalities forum.


  11. #11
    Basic Account Holder franmc12 Novitiate

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    Wink Re: Mercers Debt Collection

    I too have received numerous phone callsicon from Mercer's. I wrote a letter of complaint to the company and also to Barclaycard. Mercer's denied ever receiving the letter, but admitted receiving my Income and Expenditure form, ( which by the way was with the letter of complaint)
    Barclaycard wrote back to me and said that i couldn't call it Harassment, even though the man i spoke to from Mercer's was very absusive, and kept ringing a few times in concession. I'm afraid i did use a choice word in the end, especially after quoting to him the harassment act.

    I now dont answer their calls, and just continue to pay them every month.
    All i can say is dont let them get to you, the worse that can happen if for you to receive a CCJ, but at least that way the Judge can see that you have been trying to pay, and hopefully will stop the interesticon and charges.

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  12. #12
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    Default Re: Mercers Debt Collection

    OK, So here's MY problem with Mercer's.

    for the past couple of weeks, they've been phoning my house, and asking for my ex-wife. She's NEVER lived at this address, and NEVER will! I don't know how they got MY number, as it's never been connected to her in any way, and it's ex-directory.

    So, the other day I replied to one of the messages they left, and told their operator the situation. She was full of apologies, and said she'd remove my number from 'the system'. I gave her the Ex's current address and phone number at the same time.

    LATER THAT DAY..... they rang for her again! Somewhat annoyed, I went through the whole story a second time. Again I was promised it would be sorted.

    Guess who rang at 8.15 this morning....?


    So the question is, how can I make sure they've got the right data, and can I find out where they got my number from? The first girl I spoke to seemed to imply that it had come from the ex herself... NAUGHTY!

    I need to send something in writing to Mercers, but what action can I take against them? Someone's not complying with the Data Protection Act, but will they tell me where the number came from?

    Any advice appreciated.


    D.


  13. #13
    Basic Account Holder franmc12 Novitiate

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    Question Re: Mercers Debt Collection

    Hi unfortunately there doesn't seem to be a solution where Mercer's are concerned. I have wrote to the company asking them to stop phoning me, just to correspond in writting. I have wrote to Barclaycard who passed my debt over to Mercer's, and have made a formal complaint in writting.

    Mercer's are still phoning, Barclaycard doesn't accept what Mercer's are doing is harassment, even though i have had abuse off one gentleman, and even phoning me twice within a matter of minutes.

    While i accept that i owe the debt, and are paying Mercer's every month, the only solution i have found is not to answer the phone at all now.

    Dont know if anyone else can think of a solution.


  14. #14
    The Terminator
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    Default Re: Mercers Debt Collection

    It may be worth pointing out to Barclayshark that they are also responsible for the conduct of the DCAicon their using and that you will report both of them to the OFT and trading standards


  15. #15
    Basic Account Holder franmc12 Novitiate

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    Red face Re: Mercers Debt Collection

    Hi thanks for your reply. I have already pointed out to Barclaycard and Mercer's that they will face criminal proceedings under' Section 2 of the Protection from Harassment Act 1997', and also threatened them with the OFT. But the two letters i have had back from Barclaycard point out that Mercer's are within their rights to keep phoning me, even though i know they are not, especially as i have asked them not to phone verbally, and in writting.

    Mercer's have denied ever receiving my letter of complaint, but admitted receiving my 'Income and Expenditure Form', which by the way was with the letter of complaint.
    So what proof do i need to report Mercer's to the OFT?


  16. #16
    Basic Account Holder softmint69 Novitiate

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    Default Re: Mercers Debt Collection

    I keep getting these phone callsicon, have read your replies and it seems these are from Barclaycard?? I havent got a Barclaycard and no one in my family has, any idea on what sort of call this could be please?

    I rang them back once and it said something like 'G Money and personal Finance' who I dont know either, it wouldnt let me talk to anyone it was a recorded message requesting that I reply to one of their letters?????????

    which I havent had either?????


  17. #17
    ODC ODC is offline
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    Default Re: Mercers Debt Collection

    Everybody should get caller display on their phones, then bar withheld numbers. Its bound to pee these people off bigstle especially their autdiallers. We could then set up a thread listing ex directory numbers that the parasites use when we dont accept withheld calls. ITS YOUR PHONE YOU CAN DECIDE WHO TO ANSWER AND WHO NOT TO ANSWER Why should we have to put up with some jumped up bully-boy from a call centre. It also pees them off when you lift the phone and dont speak to them (And it costs them money).


  18. #18
    Basic Account Holder Donel261 Novitiate

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    Default Re: Mercers Debt Collection

    If they are asking you to respond to a letter then they are chasing you for some debt. Ignore them, and get a copy of your credit reports from Experian and Equifax (£2 each) you can order online and they will post them out to you DONT buy the expensive versions advertised on the website... anyway, when you get them see what debts you have listedand it will give you an idea as to what they want....

    Experian WiseConsumer

    https://www.econsumer.equifax.co.uk/...erletter.ehtml


  19. #19
    Basic Account Holder softmint69 Novitiate

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    Default Re: Mercers Debt Collection

    Quote Originally Posted by ODC View Post
    Everybody should get caller display on their phones, then bar withheld numbers. Its bound to pee these people off bigstle especially their autdiallers. We could then set up a thread listing ex directory numbers that the parasites use when we dont accept withheld calls. ITS YOUR PHONE YOU CAN DECIDE WHO TO ANSWER AND WHO NOT TO ANSWER Why should we have to put up with some jumped up bully-boy from a call centre. It also pees them off when you lift the phone and dont speak to them (And it costs them money).
    One thing I like doing is answering the phone, they ask for who they want, I say yes, Ill get her/him, then throwing the phone on the sofa/in front of speakers etc whilst playing a rather loud classical track or similar/enjoying the rest of the film/programme I am watching.

    Found out the people (G Money & trinity personal finance 08701242495) who were ringing me werent on behalf of Barclaysicon but for time retail finance about a very small charge that I had left on the account not realising before I ceased the direct debiticon.


  20. #20
    Basic Account Holder franmc12 Novitiate

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    Wink Re: Mercers Debt Collection

    Hi thanks for all your replies, i have now just had caller display put on my phone, and now just ignor Mercer's.



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