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.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. 5th April 2007 16:17 #1
    Phonesurgeon Phonesurgeon is offline
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    Default Mercers Another Farce!!!!!

    Mercers are chasing the missus for a barclaycard account.
    Sent a CCA 14/03 and they defaulted yesterday 04/04.
    GUESS WHAT?????????
    This morning they served her a Default Notice under section 87(i) of the Consumer Credit Act 1974.
    She need to pay just short of £800 by 19/04 to correct this!

    Questions:
    1.can they do this after they defaulted on my request?
    2.what do i do next?
    Thanks guys and gals

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  2. 5th April 2007 16:49 #2
    djdave djdave is offline
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    Default Re: Mercers Another Farce!!!!!

    NO! The debt is in dispute and unenforcable until such time as they supply the documents.

    Write to them explaining this (as they obviously are stupid), and let them know you're sending a copy along with copies of your original request to Trading Standards.

    • Barclays: WON!!! It took four months but was totally worth it!
    • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
    • Elephant.co.uk: VICTORY - they admitted there was no debt!
    • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!
    <--- If I've been helpful please remember the scales
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  3. 7th April 2007 20:36 #3
    MCPR82 MCPR82 is offline
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    Default Re: Mercers Another Farce!!!!!

    Quote Originally Posted by Phonesurgeon View Post
    Mercers are chasing the missus for a barclaycard account.
    Sent a CCA 14/03 and they defaulted yesterday 04/04.
    GUESS WHAT?????????
    This morning they served her a Default Notice under section 87(i) of the Consumer Credit Act 1974.
    She need to pay just short of £800 by 19/04 to correct this!

    Questions:
    1.can they do this after they defaulted on my request?
    2.what do i do next?
    Thanks guys and gals

    Who did you send your CCA to - Mercers or Barclaycard ?

    S.A.R - (Subject Access Request) sent to NatWest 30 March 07
    Statements received 2 May

    SAR sent Barclays 30 March 07

    SAR sent Barclaycard 30 March 2007

    SAR sent RBS 5 April 2007
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  4. 9th April 2007 08:43 #4
    Phonesurgeon Phonesurgeon is offline
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    Default Re: Mercers Another Farce!!!!!

    I am acting for the missus and i ve sent the CCA request to Mercers.
    They are dealing with the account now...
    First thing tommorow morning i will contact trading standard and made them aware...

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  5. 9th April 2007 20:05 #5
    MCPR82 MCPR82 is offline
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    Default Re: Mercers Another Farce!!!!!

    Quote Originally Posted by Phonesurgeon View Post
    I am acting for the missus and i ve sent the CCA request to Mercers.
    They are dealing with the account now...
    First thing tommorow morning i will contact trading standard and made them aware...

    Thanks and Good Luck - Keep us all posted !!

    S.A.R - (Subject Access Request) sent to NatWest 30 March 07
    Statements received 2 May

    SAR sent Barclays 30 March 07

    SAR sent Barclaycard 30 March 2007

    SAR sent RBS 5 April 2007
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  6. 9th April 2007 20:59 #6
    Phonesurgeon Phonesurgeon is offline
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    Default Re: Mercers Another Farce!!!!!

    I will do... these morons think they are above the law... well i will be taking great pleasure in crashing them back down to mother earth with aloud bang!!!!!!!!!!!!!

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  7. 9th April 2007 22:41 #7
    MCPR82 MCPR82 is offline
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    Default Re: Mercers Another Farce!!!!!

    Stick it up em' Phonesurgeon !!!

    S.A.R - (Subject Access Request) sent to NatWest 30 March 07
    Statements received 2 May

    SAR sent Barclays 30 March 07

    SAR sent Barclaycard 30 March 2007

    SAR sent RBS 5 April 2007
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  8. 10th April 2007 09:38 #8
    Phonesurgeon Phonesurgeon is offline
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    Default Re: Mercers Another Farce!!!!!

    I will sure do...
    i will make trading standards earn their money...

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE