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Help needed re Barclaycard/Mercers

Battle weary

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I have attached several pieces of correspondence.

  • 1 October CCA'd Barclaycard - not attached but standard template
  • See their letter dated 04/10/07
  • See Statement of November showing debt passed to Mercers
  • 21 November see stalling letter from Barclaycard
  • 18 December see response to request for CCA - this is a genuine poor copy not just a bad scan!!
  • 18 December see letter and T & C
  • In early Jan 08 I wrote standard template stating poor copy, application only etc and asked for a true copy - not attached.
  • 21 January - their final response attached.

What I need help with is:

  1. Were Barclaycard allowed to pass to Mercers when they hadn't at that time given me a copy of my CCA? What action can I take?
  2. I need some help with their final letter dated 21 Jan - they haven't provided a true legible copy and state that the application I signed is an agreement? Is this correct? Can and how do I respond?
  3. How do I stop the 3 calls a day that I have been getting from Mercers since early December. I have asked for them to put everything into writing, asked for their complaints department address(they refused). Nothing recieved in writing from them but they state that they have sent 5 letters to me. Where are they?

I am about to go into mealtdown. HELP PLEASE!!!!!:o

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Very new on here, but I think I can answer at least 1 & 3


1. Mercers are BCard - it's their in-house scare dept.


2. I can't see any attachments at all


3. See here: Harassment by telephone - Consumer Wiki

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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I'm sorry, your attachment didn't work - I can't see the credit agreement.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.


I am not a qualified or practicing lawyer.

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Lette fro Barclays with copy of request for CCA.pdf

Copy of CCA from Barclaycard.pdf




Copy of CCA request and letter from Barclaycard stating that complied with regs.


Any comments?


Also see their final letter on my first posting. Sorry my attachments are a bit of a mess!

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