Hi Mockenrue This might help - Whenever I send a letter to Mercers I have started to send an exact copy of the letter to Barclaycard as well asking them to forward it on to Mercers in the off chance that they don't receive them.

enjoy

they need to go to court and you may need to go to. are they still adding interest to the amount. if so you can ask the judge to put a stop on it. im not an expert and i also suggest that you take advise from other cag mambers.

what is a cpr request?

good luck

just received a text message saying 'unless you call now we may begin legal proceedings to recover the outstanding balance on your barclaycard. call 0844 8222004. mercers debt collections ltd' which my partner has just seen. she is not happy!!!!!!!!

Hi Mockenrue How long ago did you aaply to Mercers for your CCA and have you received an acknowledgement from them to say that they have received it? Are you making any token payments to them?

good luck. my heart goes out to you.

good luck

Well Done

i have not requested the S.A.R - (Subject Access Request) yet? should i do that now. recieved a letter from them saying that they are sorry about the service

sent them a token payment, shall i send them a financial budget or wait until the cca arrives?

ok. I sent them a token payment. but no cca has arrived yet. shall i make an improved offer or should i just wait until the cca arrives? what happens if it does not arrive after 14 working days?

Today is the 10 working day and I am going to make a tokan payment today as they they rejected my monthly payment offer, However what happens after the 12+2. I know they will be in de-fault but can I do?

I have already sent a request for a CCA and today is the 9th working day. What happens if they don't send it to me after the 12 days are up and then the 30 days?

Hi Citizen B Is there a new regulation that Mercers or any other DCA, if they don't send you the CCA they are not commiting a criminal offence?

the dca that is chasing you payment have to supply cca don't they?

currently stands at 242.

I am still waiting to hear from mercers regarding the cca, I know it's only been 8 days, but should i keep making a token payment in the meantime?

the letter you sent to blair oliver on the 16/09/08, was it recorded? not that it should make any difference.

Got A Reply From My Mp This Morning Who Has Passed My Query To The Rt Hon Cariline Flint Mp Who Is The Minister For Housing.

Hi Everyone It's currently stands at 233. I ams sure we can get more. Petition to: Control the use of Charging Orders as a means by which lenders are routinely securing unsecured debts against peoples property. | Number10.gov.uk

we currently have around 233 signed people. lets not stop now and try and get as many as we can. email it to all your freinds. Petition to: Control the use of Charging Orders as a means by which lenders are routinely securing unsecured debts against peoples property. | Number10.gov.uk

F DCA's I urge you to send/email it anyway. What harm can it do?

Hi Just emailed my mp the following letter, also emailed all my contacts the link - Dear Sir I would like to draw your attention to my current financial plight. I currently work full time but unfortuntly my wife is at home looking after our children. I am the main income provider. We have a mortgage and car which I need for work (part of the employment contract) However we are currently finding it a financial struggle and we have unfortunatly fallen behind with some of our credit cards. I have offered to make monthly payments to the credit card companies but they have refused this as the amount is too low. We are currently trying to come to a figure that we can both agree on. These credit card were taken out as unsecured credit. However I have been advised that there is new legislation due to come out regarding charging orders and that it will be easier for banks to issue them on your home and thus make the unsecured loan secure. I urge you as my MP to look into this as a matter of urgency. Thank you