Barclaycard/Mercers insider info - probably valid for other DCAs

[andrewman]

I had mercers chasing me for around £300 for creditcard debt even though i had made anarrangment to pay i back at £1 per month which i kept up. My barclycard was got from littlewoods personal finance, Due to being harrased by mercers i made a complaint via trading standards, i got a nice letter from barclycard saying they were investigating my complaint. a few weeks later i got a phone call, from a nice lady from barclycard, i explained to here what was happening and was told leave it with her and she would sort it out, this is because of my original agreement. This lady rng me back with in 10 minutes after speaking to mercers and ticking them off, they broke the rules by contacting me without being told to do so. I have had calls from littlewoods personal finance, who is the original creditor,they were told i have a administation order for littlewoods a copy was set to them, so far they have kept quiet.

[andrewman]

debts are statue barred after 6years. you can ask for details from the debt collection agency,who have your debt. debts can be barred if after 6 years you have had no contact with the original company,or debt management company and you have not stated you owe the debt. If you dispute the debt then you should put it in writing,but do not say you accept the debt is yours until they prove you owe the debt and or you have Made a payment in the last 6 years,which means you would have to wait another 6 years without any contact from them or you. otherwise you are liable for the debt. you can check out other peoples threads on this site, you will may find others are in the same bost as you and have dealt with their problem. put the debt collectors name into the sites search engine for posts if any relating to that company. otherwise do not let it rest and in no way accept the debt until eveidence is sent to you. goodluck

[andrewman]

stillsmilin do not worry about what these DCAs are telling you,firstley they have no powers to send baliffs,attachment of earnings can not be done by DCAs. fistly are your debts unsecured,if so you have more rights. fistly as for DCA telephoning you and harrassing yourself, you need a telephone harrassment letter,fill it out and send it to the address of the DEbt Collection Agency. Telephone calls can be safely ignored because phone calls are not enforcable,as not seen as evidence. you mention CCCS this organisation is an excellent organisation to deal with,especially has it is free to use (charity). I would give them a ring back (CCCS) and explain to them what is happening, as you are already making payments through them, DCAs can not legally chase you for debts, you are making through a 3rd party. I have used CCCS and have nothing but respect for them, i needed help and they provided it. Ring CCCS monday morning if you have time,make sure you have your client number and details of what is happening. I would stick two fingers upto these Debt collection agents,and has your forum name says i would be stillsmiling. good luck in what you decide to do,also find the telephone harrassment letter,fill it out and send these idiots it, keep a copy of all corresspondence you have between DCAs, CCCS,and yourself,this will help with any threats of court action. somebody on here may be able to point you to the right forum place for telephone harrassment letter template.