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Unitedfan

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  1. Hello I sent the letter above to 1st Credit and also asked Mercers for a NOA. I quickly received reply from 1st Credit saying: 'the letter we sent on such a date clearly defines this debt has been assigned to ourselves from Barclaycard. The account was sold to us and we are unaware of any dispute you have with our client. We will contact them for their comments' I file all letters from these people and I didn't receive this letter. Mercers have not replied to the above letter (my NOA request was sent to mercers and not barclaycard - should i send it addressed to barclaycard
  2. Hi Guys I just wanted to post this before I sent it. It's basically a copy of CCM's letter with additional NOA stuff I found from another excellent thread. The last line was added cos they said something to me on their last letter. Let me know if it's best not to add this! Is the letter a bit too much or is it ok. CCM - maybe just the NOA request would suffice or is this ok. Thanks again. "I refer to your letter of xxxxxxx, I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the Mercers and has been since xxx
  3. Ok. Thanks guys. I will send appropriate letters and let you know what I get back.
  4. Thanks again for your advice. I can't find a template for this, does it have to be worded a certain way. Does anyone have a copy of this letter they have sent previously? Lets say 1st Credit take me to court and they, or Barclays/Mercers have not sent the Notice of Assignment by recorded/special delivery. Surely this would be good for my defence, no? Thanks for any help.
  5. Hello again, It's been quite a while since anything happened with this, then out of the blue came a letter from 1st Credit (i've heard they're quite on the ball, is this right?) that said they have been assigned the whole debt and the outstanding amount is due to them immediately. Very soon after I received a further letter from 1st Credit which states they are considering legal action. If this happens you will have extra legal costs, difficulty for you to obtain further credit blah blah blah! But the next paragraph did worry me: "We have recently obtained information from
  6. thanks godmother can you remind me, is there not a 12 day limit thing where they have to provide the cca, and is it so many days after that where they are committing an offence? I can't find the thread where I read something about this! It's ineresting how each comapny reacts differently. Mercers sent me an application form and a standard copy of terms and conditions, then said this was sufficient by law. Moorcroft say 'sorry we can't find it yet' - Are Barclays/Mercers just trained to be more forceful. It's just such a different tactic from 2 companies who do the same thin
  7. Hi I have another thread going but this is for a member of my family who i told to send a credit agreement request to Moorcroft. Anyway, template letter N was sent to Moorcroft for a debt that is years old. He's been steadily paying it until I told him about letter N. The reply came after 10 days and he got worried, but (after reading lots on this forum) I thought this was a bit laughable and it's just them fumbling. I havn't got a scanner so i'm just gonna quote it below: "I refer to your recent correspondence. We are continuing to seek to obtain a copy of the Consumer
  8. That's brill, thanks I'll be posting it tomorrow and i'll let you know what they say.
  9. Thanks CCM. Missed your last one, I think we were posting at the same time. Anyway I would appreciate if you could post your letter as well. Cheers
  10. Just found the following on another thread when I did a search for Debt Managers Ltd: "Dear Sir I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974 (change this to s.77 (1) for fixed sum credit such as loans etc). 2. A full statement of accoun
  11. Just going back to the 1st letter they sent last week, they say they act as agents for Barclaycard, but I should now pay Debt Managers. Not sure if this means it has been sold or not. Certainly no Notice of Assignment or anything like that. The last letter from Mercers said they may sell it and this is just the next letter I got. They also say they are going to start charging interest again on the outstanding balance at the rate of 1% per month. Maybe they don't have a clue about the previous letters I sent to Mercers? I'm thinking i'll write to them and let them know where I st
  12. Hello again, My debt appears to have been sold now, to Debt Managers Ltd based in Edinburgh. They have sent me 2 letters in quick succession. The 2nd saying they will be preparing court papers in 7 days. I presume they have all the previous paperwork now, or maybe not? Do I need to write them a letter about me disputing the debt cos of the credit agreement. Something along the lines of 'I've already told Mercers, now i'll tell you......... - is there a template anywhere for this? Or shall I just leave them to it and wait for the court papers? I thought if I at least c
  13. Hi CCM Sounds good. As you know I am close to this situation, i will be referring back to this thread when I sort my defense. If only ALL credit card customers knew about this forum. A lot of less worried citizens I think! Spread the word! Thanks again.
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