Dear xxxx, We write with regard to this outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. Should proceedings be issued, additional charges will be added to the existing balance as shown below, Outstanding balance to pay now £492.66 Interest £39.41 Court Fees £30 Solicitor Costs £50 New Balance if proceedings are issued £612.07 If you dispute liability for this debt please state your reasons in writing and supply us with documents in support of your defence to any claim. Before the account is referred to us to litigate you still have an opportunity to contact Fredrickson International Ltd with your payment proposals. In order to avoid further action you should telephone them immediately on 0845 3136624. This is a serious matter and you may wish to seek independent legal advice. Yous sincerely, Bryan Carter Solicitors LLP Any adivce on what to do next? Thanks Benno got the exact same letter today, with the amounts differing, whats the next course of action for me, the account is currently in default at the ombudsman, trying to get back my ppi, have told fredricksons this several times, now when they ring i tell them to foxtrot oscar and put the phone down, should i contact carter and tell him or just ignore?

that is what i told them at the start, my sister works in a solicitors office and her boss said they would get nothing if they went to court. Thanks to the advice received here I today sent a couple of letters to them, i included a copy of the letter i got saying they would not accept my offer of payment and told them to take me to court, also informed them i had informed the ombudsman about the phone calls, (3 more today, that makes 30 in 27 days). I know its not advisable but a really feel like answering and telling them to f... off, wont achieve anything but would make me feel better.

thx for the advice, i will look into COBS and see how it goes from here. I have placed a divert on my phone for the 8 numbers mercers have used up to now so that will slow down the calls a bit.

no ppi or charges on the account, currently in the UK, healthcare here much better than SA.

very likely that my situation will remain the same, average waiting time for a transplant can be up to 3 yrs. I dont have any other debt, just the barclaycard.

Hi all, Having some problems with mercers, looking for some advice please. A bit of background 1st, I have a outstanding debt with barclaycard for 12k, I had a very well paying job and was paying off my card balance every month without fail, until 7 months ago. I was on leave from work when I felt very unwell, I went to see the doc and was taken to hospital where I found out I had chronic kidney failure. I was in the ICU for 4 weeks then on the ward for a month while lines and a fistula were inserted into me. I am now on dailysis 3 times a week and unable to work. I explained all this to barclaycard when I got out of hospital and asked for a payment plan to be started, I got no help from them, they said they were not willing to enter a payment plan as it would take too long to pay off. They then said they would take me to court etc etc(normal threats) so I told them to go ahead and we would sort it out there. Now since then i havent paid anything, and now mercers are involved, to date over the last 4 weeks I have had 27 phone calls, I dont tell them who I am when I answer, I just say I will not discuss anything on the phone and to put it in writing. So far nothing has been sent. I sent then a stop calling letter by recorded delivery which they got 10 days ago yet the calls are still coming. what I need to know is what do I do next and what can I expect from them next? I am not bothered about the threats, currently I am staying at my sisters house, own nothing in the UK, no house/car or possessions so even if they did get bailiffs there is nothing for them to take, my house car etc are all in south africa where i was working before the kidneys gave up. And good luck to them trying to get anything there, LoL. thx in advance.