Jump to content


  • Tweets

  • Posts

    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Seeking Advice Re - DCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6110 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am looking for some advice regarding my Barclaycard account.

 

As I have been unable to repay my debt with Barclaycard, I sought advice from the CAB who offered all my debts £1 a month.

 

Since starting my claim for charges on my Barclaycard I have found out it has been sold to Mercers debt collections.

Having read a few posts on here, I am wondering how I go about getting statements from Mercers to see if I have any charges added for late payments etc.

I have sent a SAR to Barclaycard and had an offer which I have rejected, but want to find out the state of play with my account as it stands of now as I do not get statements from either company.

Am I right in thinking I should have been notified it had been sold? I have only had one letter from Mercers which was to inform me I have been served a default notice.

Any advice, comments more than welcome - thanks.

Link to post
Share on other sites

Am I right in thinking I should have been notified it had been sold?

Yes. This called a Notice of Assignment.

 

I have only had one letter from Mercers which was to inform me I have been served a default notice.

 

The default notice will not be legally valid.

 

I am wondering how I go about getting statements from Mercers to see if I have any charges added for late payments etc.

 

You ask them for a statement of account (which is free).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Thank you Rory. ;)

 

I did send a letter to Mercers requesting statements on 16th July 2007 - I was wonding if there is anymore I can be doing whilst waiting for them?

 

What can I do about them not sending me a notice of assignment?

 

I sent my request to a PO box number in Liverpool and stupidly didn't send recorded delivery - should I wait or re send recorded and give them a time frame to reply?

Link to post
Share on other sites

should I wait or re send recorded and give them a time frame to reply?

I would resend. Give them 14 days to comply, also ask them for a copy of the Notice of Assignment and a Fair Processing Notice which should have been sent to you at the time the debt was assigned.

  • Haha 2

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

As the debt's now been sold have you considered sending the CCA request as well to establish their right to collect the debt??

 

Said template to be found here...

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162367

 

Regards, Dave.

  • Haha 1
Link to post
Share on other sites

Should I send the CCA with the request for asignment and statements?
There's no reason not to.

 

The request is made using Section 78(1) of the Consumer Credit Act 1974. Include a P/O for a quid to cover the maximum fee and be sure to send by First Class Recorded Delivery, or SD if funds will stretch.

 

Beginning the day after delivery they then have 12 working days to supply a legible copy of the original Credit Agreement after which the request is in default and they are not entitled to enforce the agreement. After a calendar month in default they committ a summary Criminal Offence which is reportable to Trading Standards.

(A calendar month is 30 days, unless the last day is a Sunday or Bank Holiday, in which case it becomes 31.)

 

78(6) If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement; and

(b) if the default continues for one month he commits an offence.

 

Also, and importantly, was there any ongoing dispute when the account was sold on..??

 

Regards, Dave.

Link to post
Share on other sites

As I don't know when the debt was sold on, I don't know what has been going on, as far as I knew I was paying Barclaycard until I got this letter from Mercers in January 07 serving me a defult notice.

 

I have done things by the book with this account, the CAB wrote and told them all I could afford was £1 a month, which was accepted by Barclaycard.

 

The delault was served for owing a whopping £2.

 

I will get those letters off first thing Monday morning - thanks again Dave.

Link to post
Share on other sites

Also please remember, not to sign it. Just initial it.!!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

  • 1 month later...

Ok I have left this for long enough.

 

Update:

 

Sent letter to Mercers DCA on 30th July 2007 with a £1 postal order asking them for a copy of CCA and notice of assignment.

I have heard NOTHING, so now I'm ready to get going on my claims again, I am hoping someone can direct me to where I go from here - do I continue with filing my N1 to Barclaycard or chase Mercers? or both?

Would be grateful for any input - thanks.

Link to post
Share on other sites

As Barclaycard added the charges you would file the N1 to Barclaycard.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

I suppose you could file an N1 for them not supplying statements to force disclosure. Filing one for a copy of the agreement would be pointless.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

But isn't my issue now with Mercers?

 

as i see it - i requested info from Mercers on 30th July - they had 12 days which made it 11th August - then i allow 1 month - which makes it 8th september - so how do i complain to trading standards and what do i say?

 

And still file my N1 with Barclaycard for my charges?

Link to post
Share on other sites

Yes. This called a Notice of Assignment.

 

Why would Barclaycard sell the debt to Mercers? They are their In house agents arn't they. Can they sell in house

 

 

The default notice will not be legally valid.

Why would the default issued by Mercers be invalid, I too have received one from them

 

 

You ask them for a statement of account (which is free).

I asked for a statement as they have mysteriously stopped sending them. Told me it was £3 for a duplicate statement? Even though they have never sent the first.

 

Lies lies and more lies. Barclaycard and Mercers could lie straight in bed.

Link to post
Share on other sites

But isn't my issue now with Mercers?

 

No not entirely. Barclaycard will have assigned the right to collect to Mercers but nothing more. This is know as an equitable assignment. The duties (and as such the liabilities) of the account still lie with Barclaycard.

 

so how do i complain to trading standards and what do i say?

You can find your local TS here Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

I would just complain to them about not receiving the statement of account at the moment. If Mercers try and chase the account you can then report them for attempting to pursue the account without a copy of the agreement.

 

And still file my N1 with Barclaycard for my charges?

Yes.

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

That's really up to you. After the 12 working days are up they can not enforce the agreement without producing a copy of it. This means that you can lawfully withhold all payment until a copy of the agreement is produced.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...