Mercers (Reprise)

[WCR4-6]

Let's have another crack at this shall we?

 

Will keep it brief as some people didn't like the first attempt.

 

Been getting the usual phone calls - several a day from these lot since the start of February.

 

Got two letters through over the past couple of days from these lot on behalf of Barclaycard - whom I got a card through via their Website application process.

 

One was a "Default Notice" - exactly the same as shown below

 

 

Other letter was one of these "we might be sending some lads round for a chat" - with no date or time on when that might be on it

 

Phoned these lot tonight to find out what the merry hell was going on - got into an argument/exchange of views with the woman who answered the phone (I cannot repeat the contents as it cause the first thread on here to be deleted) who basically said that they would be calling this weekend to my home address.

 

I won't be there this weekend as I'm on other duties - and am a bit fearful of them calling and being "entertained" into the house by one of the other people who lives there - (What would be the course of action they would take if they did gain entry?)

 

I haven't had a card or anything else regarding a time or date when this visit "might" happen.

 

I have set up a Sipgate number to which the calls that would have gone to my mobile now go and will be recorded and logged.

 

Also installed a neat little gadget on the mobile which filters and diverts certain numbers as well - meaning I don't have to put up with their calls etc.

 

Anyway - how to proceed here?

[loyalbrummie]

It will be very unlikely that these ******** will turn up , BUT if they do just get whoever is in the house to phone the police telling them that there is some nutters at the door who they believe will cause a breach of the peace .

There is a letter on here to send to them informing them that to come to your house they will need an appointment .

HAve a look at the letter templates .

[pt2537]

well, the default notice is non compliant for starters, not in the required form and content as prescribed by the regulations

 

as for the home visit , they most likely wont turn up but there is a letter to deal with them here http://www.consumeractiongroup.co.uk/forum/letter-templates/131334-dca-response-threats-home.html

 

have you CCA'd them for the credit agreement yet? if so did they comply?

[WCR4-6]

just back from the Post Office - have sent them three letters via First Class Recorded Delivery:

 

The request for the CCA

The telephone harassment letter

The home visit letter linked above

[WCR4-6]

Letters all delivered and signed for on the Monday.

 

Not had a response in writing on any of them to date.

 

Been getting a phone call a day on the house phone from them - always just tell them "In Writing" and put the phone down.

 

Had 3 calls so far on the Sipgate account.

 

If anyone wants an application to load onto their Windows Mobile Device or Nokia that lets you block certain numbers or redirect them elsewhere - I've been using something called "MagiCall" - works a treat

 

 

Any advice on what I should be looking to be doing over the next week or so with this?

[PriorityOne]

Chances are that Mercers will continue to call you twice a day, in the hope that you'll crack. I began receiving twice daily calls from Barclaycard and this went on for approx. 3 months.... but since I was out most of the time and familiar with their tactics, it didn't really bother me.

 

Mercers then took over and are still calling me twice daily, although there was a brief break in their antics a while back.

 

They obviously find the job frustrating at times .... as I am always ultra calm and just refuse to go through security, or just hang up. One of their operators lost her rag last night and threatened to "send an agent round then" before cutting me off.

 

Ooh, I'm really scared... (not). He/she will just be told to go forth and multiply... if anyone even turns up, which I doubt.

 

These guys are not bailiffs and have no rights whatsoever, so please don't believe any of their bull.

 

[WCR4-6]

Cheers P1

 

From dealings with them in phone and postal form so far - I bet a 3 year old would have no trouble running rings round them - and whilst watching the big shiny box in the corner at the same time

 

The phone calls don't bother me - I'm at work during the day so I only field those on the odd occassion that I'm in (and the other people here know not to answer the 0151 area-codes or "withheld" calls) - and any time they try the mobile it goes straight to my sipgate account on the PC here without my mobile giving me any indication of that happening

[PriorityOne]

The calls are actually on some kind of rota system... which is why I usually get one just after 8am and one just after 6pm, which makes it all very predictable.

 

I have just drafted up a 2-pager to BC/Mercers anyway.... so with any luck, they may just cr*p their pants now...

[chebkhaled]

Heya

 

If anyone wants a home address for any of the Directors of that feral mob, just drop me a line and I'll try to trace a pertinent one. I'm DCA myself - one who feels immense compunction for the ill-begotten gains I generate for the theiving **** I work for...wanna redress

[sillygirl1]

Don't forget to tell them to "go forth and DO NOT multiply"... makes them even madder!!!

 

Konnan is another good word to repeat to them (Japanese for 'financial difficulties or AKA Skint!)

 

If they do try to visit they have less rights than the pizza delivery people so again "Go forth and do not multiply" is again the answer here.

[onthebrink]

Just came off the phone from Mercers after informing them they have not responded to my CCA request and it is now 14 working days (first breach) and they only have 28 days before a complaint is issued by me.

 

Funny thing is she got really snooty and said 'an agent will call to collect the full balance within 48 hours' to which I responded with joy and glee,

 

'oh thank you so much, no one ever visits me any more. It will be great to see and talk to another human being, and all before my fortnighly visit to the job centre on Friday, which I add, I very much enjoy and look forward too also.'

 

To my utter surprise she hung up..... and she had such a nice voice.

[PriorityOne]

Well, these have to be one of the worst bunch for ignoring instructions not to call.... my 'phone log is growing longer by the day. Not only is an agent also going to call (oh yippee), but yesterday, a letter came through with the words "it is not too late" across the bottom. ...

 

Actually Mercers, it is too late....

[WCR4-6]

Had a letter from them today - which was interesting for one main thing.

 

The letter was from Mercers - but it was in a Barclaycard envelope

 

(The pretense of being separate companies slipped there somewhat lads!)

 

 

It said "Please call us immediately to discuss this account."

 

Had a quick look in the dictionary after reading it - and looked up the word "immediately".

 

It's defined as "When hell freezes over or a Liberal Democrat Government comes to power".

[PriorityOne]

Had an inkling that some of their call centre staff may be lacking in the job satisfaction dept... they've recently started to call, let it ring once only and then cut the call. I assume that's so that it'll get logged on the system that someone has at least "tried"... lol !

[WCR4-6]

Guys - anyway - need some more advice as we've entered a phase I'm not too sure about now.

 

Tomorrow is the 12th Working Day since I sent my letters and request for the CCA to Mercers (sent them on the 23rd Feb)

 

What should I be doing over the next couple of days as the 12th day passes?

[PriorityOne]

No CCA = no payments.... so unless/until they can comply with the request, stop paying. No need to write and tell them why... just update the thread again when you receive some kind of written response.

 

[WCR4-6]

just a quick update from the past few weeks.

 

Phone calls seemed to have dried up now - nothing on Sipgate since March 14th - and only the occasional one on the house phone

 

Got a Barclaycard letter with "a chance to a little bit off for goodwill - but it won't mean you recognise the debt" type letter - which was immediately filed.

 

But still no sign of a response to the CCA request either way - and we are at 22 working days since it was sent...

[WCR4-6]

ok - major piece of an update here.

 

Got home this afternoon to find a big envelope from Berk-laycard containing all sorts of documents.

 

Covering letter is signed by a "Maria Roy"

 

Will scan these in and post em up now

[WCR4-6]

Here we go then - postmarked envelope of yesterday (the 26th or 23 working days)

 

 

Covering letter:

[WCR4-6]

Next up - two 2-page documents of what looks like a print off from their computer systems:

(They have my account password as my mother's maiden name - which my password isn't )

 

Document 1:

 

Document 2:

[WCR4-6]

And finally - two more 2-page documents - which I have never seen before (certainly not the "Cancellation Form")

 

Just to say that I never got any of these to sign and send back...

 

 

 

 

 

Doc 2:

 

 

 

 

 

Any advice or guidance thanks

[ODC]

Methinks BC are trying it on by supplying genericTerms and Conditions

[WCR4-6]

bumped for the usual crew

[WCR4-6]

well - they've upped the ante today - get home and find they've called eleven times today - and one call to the mobile which got cut off as i went through a tunnel on the train.

 

Any help or advice based on the docs above (Post 19 onwards) as to what I need to be doing next?

[pt2537]

Hi there

 

ok, can i ask when did you take out the card? was it before December 31st 2004 or after?