Hi I owe money to barclaycard/mercers. I do have a mortgage which has equity. Can barclaycard/mercers issue a charging order? Tosh1

Hi Thanks or the info so far The DCA is Mercers. I have written to them 3 times, asking for wriiten confirmation of the missing payment. asking for a paying in book, total amount outstanding as I believe they are still charging interest. (are they allowed to do that?) and if they except my offer of payment. So far they have not written to me regarding any of the above. They have sent me a letter asking that I must ring them and make the whole payment or a local debt collector will be sent. I have also made a token payent of £10.00 directly to Barclaycard. Can they send someone? What is a CSA? Can they issue a Chargeing order? Thanks

hi i have also been dealing with the idiots at Mercers and they have lost 1 payment that i made (via phone also made the offer via phone) allready and sent me lots of threatening letters. I have made an offer of payment to them (in writing) and they have not yet replied. I believe the letters they send are computer genarated. No one at Mercers has replied to any letters that I have sent Just had a letter that someone will be coming round to discuss my debt, even though they have not excepted my offer. I have written to them advising them anyone they send will not be invited. My advice is don't answer there calls. insist that they put everything in wrinting. If they have your telephone number either change your number or send them a threatening letter asking them not to ring you but write instead. Always chose to write to them instead and including the offer you made (always do it in writing). Hope this helps

Hi I defaulted on my barclaycard and barclaycard passed my details on to a dca (mercers). I was contacted by them and made a payment over the phone. The DCA have no record of the payment, I have received 2 further letters from them, the last one asking that I ring them and make a payment over the phone. I have now written to the DCA and sent them copy of the payment that was made to them. I have also asked them to send all correspondance to me in writing and also to issue me with a paying in book as well as an offer to make monthly payments. They have rejected this. I think they are still charging me interest. They have not written back. I have also written to barclacard and informed them of the missing payment and also a copy of the letters that I sent to DCA. Can anyone please advise. Thank you