Barclaycard/Mercers insider info - probably valid for other DCAs

[JonCris]

I would like to add to this thread by stating that though very informative it's not the full picture.

 

Barclays may not take anyone to court themselves but what they do do is they sell the debt (allegedly) & let someone else take the debtor to court. They even include in their sale of delinquent debt debts which they know are time barred

[Seahorse]

Let's face it... MOST of the debts BC sell on are unenforcable for one reason or another.

[Stillsmilin']

I have read your replies and would like to express thanks for taking time to reply. I will follow your advice and I am also starting new thread - New Member 1stCredit and other DCA issues - would be very grateful if you could take a look sometime. Also, as work Mon, Tues and Weds I will probably not have much time to visit forum until Thurs, so if you leave posts and I do not reply please be aware that I am not ignoring you;-)

[Allwood]

Hi Rock n Roll, I've just got some stuff back from Barclays as part of an S.A.R - (Subject Access Request) request and wondered if you could translate something for me, as it appears on the statements of three accounts they've sent details of.

 

This is it.....CHRGOFF PRCH PRIN BALM and then it shows a nil balance outstanding.

I'd be very grateful if you could explain it to me.

All the best, Patma

 

Patma - did you get back to Barclays - I got the same thing from them but I was surprised that they even had these statements on because it is well over 6 years since I have been in contact with them.

[Newborn]

Hi Allwood,

 

This I think refers to the US 'Charge Off' system that roughly equates to a default (the amount is 'charged off' the balance sheet of the creditor.

This shows that the main balance for accounting purposes is zero.

 

Newborn

[Allwood]

Thanks Newborn, but why are Barclay's using US abbreviations for the UK business. Is their way of being extra nasty to us?

[Newborn]

Probably just the software they use. Unless someone knows different?

 

Newborn

[johnhiggs]

hi all, this is my first posting on here, im after some advice please. a while back i was defaulted by Barclaycard, they then sold the debt to HFO services, who on the same date also defaulted me?

 

i have asked them for statements so i know exactly what im paying but so far they are refusing!

 

my questions are:

 

can 2 defaults be helt for the same thing? and can i remove one befor i talk to HFO?

can HFO default me without any agreement with then signed?

 

ive now asked them for a credit agreement before i go any further, and ive never agreed any amount with them

 

where do i stand? i asked them for copy statemants, they sent me the last one showing 778 owed to barclaycard, barclaycard default is 1370.00

HFO same but in letter today they are asking for 1687.82???

what do i owe?

[PriorityOne]

You really need to start a thread of your own with this, John... Before you do though, was that a request for a copy of your agreement using a template from this site... and did you send it by rec. delivery ?

 

If not, then it will need to go off again....

[JonCris]

hi all, this is my first posting on here, im after some advice please. a while back i was defaulted by Barclaycard, they then sold the debt to HFO services, who on the same date also defaulted me?

 

i have asked them for statements so i know exactly what im paying but so far they are refusing!

 

my questions are:

 

can 2 defaults be helt for the same thing? and can i remove one befor i talk to HFO?

can HFO default me without any agreement with then signed?

 

ive now asked them for a credit agreement before i go any further, and ive never agreed any amount with them

 

where do i stand? i asked them for copy statemants, they sent me the last one showing 778 owed to barclaycard, barclaycard default is 1370.00

HFO same but in letter today they are asking for 1687.82???

what do i owe?

 

NO they cannot default you twice for the same debt & it's against OFT guidelines to do so - but they do - why - because the lazy buggers at the likes of Barclays can't be bothered to get off their butts & remove their default after selling the debt - why should they care - your only a feckless debtor who's rights can be ignored - aren't you:mad:

[Seahorse]

- your only a feckless debtor who's rights can be ignored - aren't you:mad:

 

Not me... but I'd like to be a debtless fecker

[patrickq1]

firstly johnbrigs,YOU DO NOT TALK TO HFO ON THE PHONE PERIOD

you send them a letter CCA. then SAR BARCLAYS then you will find you will need to send a letter for harrassment to HFOSCUM cause that is what you can expect next time they ring you start of by refusing to give them any details over the phone and quote them please write to my address if you wish to engage with me thank you and put the phone down also you need to get a phone type recorder to record all the HFO CALLS and with this you can then send directly to the ICO and trading standards cause if you are not sure yet you will be hassled at least five times or more daily

for other if you can direct him how to start a new thread or move his post to a new thread for him on their we can help him

patrickq1

[goorooji]

Hi all just fishing for info, some very interesting things in this post...

 

Good luck to all.

 

Remember "there is always a way... and you will find the right way..."

 

Regards. G

[PriorityOne]

Well, after a brief spell of silence from Mercers (2/3 weeks with no calls).... they started off again with a vengeance at the beginning of this week. This doesn't bother me in the slightest ... since I'm usually at work anyway and only come home to find some "robot" telling me to "Please call Mercers, on blah, blah... which gets promptly deleted.

 

I am off this week though.... so I'm at HOME. Last night, there was "Laura" asking for me by my first name.... which is never what my friends call me anyway, so that's the first giveaway. She got very irate when I wouldn't confirm my surname and since I'm one of the calmest people on the planet (most of the time).... this seemed to irritate her further, until she finally hung up in temper.

 

Had one robot this morning... after unplugging the 'phone overnight... and one guy this afternoon, who'd already hung up before my daughter could pass the 'phone across. My call log is now on 2 pages and growing by the day.... a complaint has already gone in to Barclaycard and cc'd to Mercers, which they've effectively ignored..... so, it's going to boil down to who is going to get on whose nerves first. Maybe I'm strange.... but it's kinda amusing.... lol !

 

No CCA though.... tut !

[Shazza50]

Barclays got a ccj against me for a credit card more than 15yrs ago. The first I knew about it was when I received the documents from the court telling me how much I had to pay. I must have been one of those that they were making examples of according to Rock N Roll:) .

[foolishgirl]

Thanks for this valuable info, Rock & Roll. I've just started taking Barclaycard to task for loading up my credit card with OL, LP charges etc. all caused by the charges they've applied to a debt I had agreed with them to pay off at £50.00 a month & had been doing so. Just applied for SAR & CCA & surprise, surprise, what's come back but a LBA standard drivel & of course, no CCA! I'll let you know how this progresses - maybe in 12 months (or longer!) time....

[vandermerwe]

My CCCS Debt Management Plan pays Barclaycard (and others) £5.00 per month and - touch wood - seems to have shut Mercers up.

 

Vandermerwe

[basmic]

--

Edited October 23, 2009 by basmic

[leedsangel]

Received my CCA from Barclaycard today. I think they'll be forwarding it on to HFO Services.

 

Unfortunately, Barclaycard haven't written off my debt and I doubt HFO will.

 

Is it worth me contacting Barclaycard and asking them to write off the debt?

 

leedsangel

[patrickq1]

this thread is getting very ragged and slightly mixed up are there some on here who have not yet had any response to their queries if so please start your own thread and the more knowlegdable on here will help with some input to get you started leeds angel it may bot go to hfo but if it does can you post all your data to date keeping personal details off the thread then we will guide you through this murky world of dca

patrickq1

[Ash!]

Hi there, I need urgent help. I am being harassed through telephone and letters by Barclaycard(Mercers) and Cahoot. I would say Mercers are worse. I suffered back injury last year in August and since then I am working with reduced hours. I owe barclaycard £6500 and Cahoot (Loan) £5000. At first I contacted CCCS and according to their advice i paid token payment to both my creditors but then I had to contact Citizen Advice Bureau. CAB has done everything for me and distributed my left money to my creditors. Barclaycard has refused to accept my offer and asked to pay £70. How can i pay £70 when I work only two days and I have one dependent.

Mercers has threaten me a door collection recovery for which I sent a complaint letter to Barclaycard.

Now Mercers has asked to go back to CAB for Debt Management Plan. Mercers have already given my case to SCOTCALL an other collection agency. What should I do now as I am so frustrated. I have got exam and they are threatening me everyday.

 

Waiting for your advice . ASH

[PriorityOne]

Hi Ash..... you need to start your own threaad on this. Mercers are one of the worst for ignoring complaints about telephone harrassment. Your name is one of hundreds on a telephone dialler software programme..... so when you hear the space-age gap before anyone speaks, just hang up and they'll move on to the next person on the list.

 

If they do catch you however, just refuse to go through "security" and they'll have no choice but to hang up themselves. Don't have any more dealings with them on the 'phone....

 

Start your own thread and someone will find you to advise further.

 

[citizenB]

Hi there, I need urgent help. I am being harassed through telephone and letters by Barclaycard(Mercers) and Cahoot. I would say Mercers are worse. I suffered back injury last year in August and since then I am working with reduced hours. I owe barclaycard £6500 and Cahoot (Loan) £5000. At first I contacted CCCS and according to their advice i paid token payment to both my creditors but then I had to contact Citizen Advice Bureau. CAB has done everything for me and distributed my left money to my creditors. Barclaycard has refused to accept my offer and asked to pay £70. How can i pay £70 when I work only two days and I have one dependent.

Mercers has threaten me a door collection recovery for which I sent a complaint letter to Barclaycard.

Now Mercers has asked to go back to CAB for Debt Management Plan. Mercers have already given my case to SCOTCALL an other collection agency. What should I do now as I am so frustrated. I have got exam and they are threatening me everyday.

 

Waiting for your advice . ASH

 

Hi Ash, if you start your own thread up, and put this information on it then your request wont get muddled up in an established thread.

 

 

click on this link

 

http://www.consumeractiongroup.c o.uk...tion-industry/

 

 

it will take you to the main Debt Collection Industry Forum. If you then scroll all the way down to the bottom you will see a button. "new thread" click on that and a new page will open up, you just give your thread a title.. "Ash against the world" or whatever .. type in your question and hit submit. :grin:

 

Edited May 23, 2008 by citizenB

[**posting-id**]

So getting back to rock n rolls original post. If you ceased making token payments to Barclaycard / Mercers then they would never take you to court and obtain a CCJ? Ride out the 7 years no payments rule and hey presto a clean credit record. All sounds too easy to me. Has anyone had any experience of cutting all ties like this. I have changed mobile and home phone number so only get the occasional letter which is manageable

[Goldlady]

Well I have reached the waiting for the seven years stage with about six different cards - with some of them I have heard nothing for at least 18 months:D. Barclaycard is one of them, although they were a tough nut to crack. That is on the basis that they didn't have a valid credit agreement, or in several cases they had nothing at all