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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • notodebt
      SJP letter from courts - Car tax fine

      By notodebt · Posted

      I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • tobyjugg2
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By tobyjugg2 · Posted

      You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • notodebt
      SJP letter from courts - Car tax fine

      By notodebt · Posted

      I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Passerby0233
      MET ANPR PCN - NtK - BP Blue Boys Tonbridge - Burger King Car Park NOT BP car park.

      By Passerby0233 · Posted

      Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • BankFodder
      Lost items sent through Parcel2Go and EVRi

      By BankFodder · Posted

      Please check back later on today for a fuller response and some edits

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mercers....

PriorityOne

By PriorityOne
in Debt Collection Agencies

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gh2008

gh2008

Posted
Posted

P1 you have PM with some more info

 

BTW they (the 3 Directors - all employees of Sharklays) have declared the Company as being dormant since at least 1/1/2006 !

 

gh

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gh2008

gh2008

Posted
Posted

Mercers' Company Secretary and 1 of the Directors is another wholly owned (by the Barclays Group) dormant limited Company Barcosec ltd

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PriorityOne

PriorityOne

Posted
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Posted

Mercers is a limited company.... and therefore, cannot have transactions going through on behalf of anyone else, if I remember rightly. It's the limited that makes the difference.

 

My recent postal order (CCA request) was made payable to Mercers by name (typed), yet appeared as a credit on a recent Barclaycard statement. Curious to know which bank account processed that one for starters. :cool:

 

I've replied to your PM, gh.....

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cashins

cashins

Posted
Posted

I am not sure anyone will ever sort out the web of companies and accounts Barclays have.

 

Companies wise, they have a habit of setting up Ltd companies in advance for whatever use. One series is called Barshelfco and last time I looked at Companies house there were over 80 - 90 listed that have come into being, changed their name, gone dormant, opened up again etc.

 

Account wise, it would not be a problem for them to take a cheque in the name of Mercers. Barclaycard is just a trading style of Barclays plc (not a seperate Ltd company). They could well have adopted Mercers as trading style of Barclays plc (nothing to do with Mercers Ltd). As companies are no longer required to register trading styles at Companies House, you would never know. They then just transfer it internally.

 

P1 Did you put Mercers Ltd on the cheque? If you did, no idea how they got round that.

 

David

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Patma

Patma

Posted
Posted

I've had a reply to an email query I sent to The IC to confirm what they told me verbally the other day.This is what they said:-

 

"Thank you for your e mail of 25 February 2008.

There is a current notification in the name of Mercers Debt Collection Limited (but not Collections in the plural) with a company registration number of 02550639. The data protection registration number is Z5068082 and it has an expiry date of 20/11/08. Calder Financial is not shown as a trading name.

A data protection notification can only cover one legal entity so each separate limited company would need to notify in its own right if it is not exempt.

Regards

Notification Department"

I've replied and sent them a copy of correspondence I've had from Calders. I don't know what the significance is of Calders not being shown as a trading name though or the fact their name uses the word Collections in the plural rather than Collection which is how they are registered.

This is all soooo complicated I can't get my head round it LOL

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  • 2 years later...
PriorityOne

PriorityOne

Posted
  • Author
Posted

**Interesting update**

 

This account was eventually sold by absolute assignment to CL Finance.... because CL Finance sent me a Notice of Assignment to say so before they were told to Foxtrot Oscar.... :p

 

Heard no more until last week, when BARCLAYS write with a copy of a blank "Agreement" which is not an "Agreement" anyway, even if it was signed :rolleyes:.... asking me to contact them re. the outstanding balance that's owed to THEM!!

 

Cheeky bergers....

 

No response given and filed away for now.... :cool:

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gh2008

gh2008

Posted
Posted

Hi P1,

 

There's a discussion on one of the other threads about this. I believe that, in some situations (if not all), they actually only assign the 'future receivables' rather than the actual account.

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PriorityOne

PriorityOne

Posted
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Posted
Hi P1,

 

There's a discussion on one of the other threads about this. I believe that, in some situations (if not all), they actually only assign the 'future receivables' rather than the actual account.

 

OMG... I've heard it all now! Assign the receivables? :D So they sell the right to collect the account to someone else but keep the deficit on their books? At no point have I ever been told that the assignment was for receivables.... it was quite clear that the account was now owned by CL Finance.... yet Barclays have now written.

 

No Agreement though.... however they want to word things... ;)

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gh2008

gh2008

Posted
Posted

Thinking about this, has anyone ever received an s78 response with the name of the assignee on i.e. the DCA chasing ......

 

An s.78 request *should* be answered with a copy of the agreement. *IF* that agreement (rather than the receivable) has been assigned then the creditor should be shown as the DCA rather than the OC .........

 

hmmm that's got to mean that they would remain in default of the request.... wouldn't it?

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PriorityOne

PriorityOne

Posted
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Posted

In theory yes, but the Agreement would always have the creditors name on it.... so if the new bunch can't produce one and neither can the creditor, it begs the question of whether the assignment was lawful in the first place.

 

In my case, it wasn't lawful; due to unlawful charges at the point of sale.... although no-one has ever produced anything remotely enforceable anyway.... so there were several grounds for telling them to bog off :D

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rebel11

rebel11

Posted
Posted (edited)

Are we not missing the point, the OFT guidelines state that companies have to be honest in their dealings with consumers with regards to debt collection. Mercers is part of Barclaycard. For Mercers to pretend to be a

separate entity is just dishonest. The reason is that Barclaycard can pretend to be whiter then white, don't forget they need to do that so they can sponsor things like the Barclays Prem. Consumers will slag off

Mercers, when all but in name it's Barclays carrying out the harrasment. Barclays can spread there name and con more consumers into debt.

 

Didn't the CEO of Barclays say credit cards were a rip off in 2003.

Edited by rebel11
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charlie*

charlie*

Posted
Posted

It's midday, Thursday, 11th June... (D Day plus 5)

 

I have just been listening to Radio 4....

 

He's back - that fantastic sleuth from 60 years ago...

 

Paul Temple & Steve (his wife)

 

D'you know, he does'nt sound a day older :???:

 

JUST THE CHAP TO TACKLE THIS MERCERS PUZZLE

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PriorityOne

PriorityOne

Posted
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Posted

Mercers are one of many in-house companies that debts get passed to.... it's nothing new. In my experience, the OFT are there to make us feel better but in effect, do very little at all.

 

Mercers were one of the worst for harrassment because of the telephone dialling software.... I knew they had nothing, so it was a case of who would get bored first... ;)

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  • 2 weeks later...
PriorityOne

PriorityOne

Posted
  • Author
Posted
**Interesting update**

 

This account was eventually sold by absolute assignment to CL Finance.... because CL Finance sent me a Notice of Assignment to say so before they were told to Foxtrot Oscar.... :p

 

Heard no more until last week, when BARCLAYS write with a copy of a blank "Agreement" which is not an "Agreement" anyway, even if it was signed :rolleyes:.... asking me to contact them re. the outstanding balance that's owed to THEM!!

 

 

Have now had an angry red letter from the Lewis Group two years after telling them to tell their "client" :rolleyes: CL Finance to berger off... demanding money with menaces again.

 

Are they assuming I've lost all track of previous correspondence? Not sure whether to dig it out, enclose a copy and tell them to berger off back where they crawled or to ignore it, to be honest.... greedy barstewards!

 

:mad:

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