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barclaycard Mercers.Offsetting Query.

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On 2cnd September I got a default notice from Mercers about my two Bcards.

I C C A'd them on the 10th Sept. Reading two other threads I was concerned about the power of "offsetting" and feared they would ruthlessly clean out my Barclays current account containing only my benefits. Today I made sure there was only just enough in the current account for Mondays Water rates S.Order. I found just over a tenner in my Savings account too so I got that withdrawn. I contacted DWP today, Friday, and a woman said she would see what she could do to get my Wednesday money, paid into my new co-op bank account as payment does not leave DSS normally until Monday. Fingers crossed that Tuesday/Wednesday ten mins past midnight, I can check to see D.W.P intercepted in time. My new on line CO OP bank might show an entry hopefully so I can stop worrying.On other threads people have been left without money at all for the week, so a warning to everyone. How long do Barclays normally wait from default to use a strategy like set off?

Edited by overdone
clarity

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Well, the account would be under threat but hopefully you beat them to it.

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Don't worry to much if money not in account just after midnight I have know banks overnight computer run to last until 4.30 am. #

 

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Checked acc today, Monday: and found the water rates amount is set aside ok to go through. It is Mdnight, Tuesday I shall know if all went as should. Many thanks for encouragement. I still have Mercers to fight though.


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Hi, If You Want To Check If A Postal Order Has Been Cashed, All You Need To Do Is Phone 01246542254. The Address If You Would Rather Write, Is Postal Order Sector

Post Office Ltd

1 Future Walk

West Bars

Chesterfield

S49 1pf

 

I just did a google search to see how to check if a postal order has been cashed and CAG thread came out on top. I am storing the info here because I shall need it for Mercers.

Where my money is concerned, I went to the cash machine and found that just after midnight the money was in the Barclays account so the DWP had not adjusted to my new account yet. Luckily, the machine let me have it all in a few withdrawals. Must contact DWP again.


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Where my money is concerned, I went to the cash machine and found that just after midnight the money was in the Barclays account so the DWP had not adjusted to my new account yet. Luckily, the machine let me have it all in a few withdrawals. Must contact DWP again.

 

Excellent!!

 

I have a couple of Barclays and I have never found Mercers to be much of a problem, they just wind up there when the don't know what else to do with them.

 

David

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On 10 Sept I sent a cca to mercers. Got letter from Barclays, for two accs.

 

6 October 2008

 

Dear Overdone

Ac noxxxxxxxx

We are writing to let you know that we have not received the monthly payment for the above acc.

 

The outstanding balance on the acc is now due. If you are unable to repay this balance in full please call us on the telephone number above. If you fail to repay the balance or contact us within 7 days, we will have no alternative but to pass the account to another debt collection agency or initiate legal proceedings through the county court. The costs of this will be added to the debt.

 

Please contact our offices immediately to confirm that you have initiated payment.

 

Yours sincerely

 

Zara Woods


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we will have no alternative but to pass the account to another debt collection agency or initiate legal proceedings through the county court. The costs of this will be added to the debt.

 

 

Tells you what Barclays think of their in-house goons.

 

Nothing on the CCA?

 

David

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Tells you what Barclays think of their in-house goons.

 

Nothing on the CCA?

 

David

Nope. Nothing at all on the cca.


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barclaycardselletter-1.jpg - Image - Photobucket - Video and Image Hosting

 

They appear to have sold the 2 Barclaycard debts on. I got two letters like this one, actually 3. I think one is a monument account but the account numbers are all wrong.


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send them this...

 

 

Dear Sirs,

 

PLEASE DO NOT IGNORE THIS LETTER -

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Account No:

 

Your letter, reference above was received (whenever) . I was in fact surprised to hear that Barclaycard have asked you to contact me regarding the above. Since they are in breach of my Consumer Credit Agreement request (Consumer Credit Act, 1974); dated (whenever) for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance. Your principal had until (when ever) to comply with a legal request. They are still to supply the documents requested.

 

I am enclosing a copy of that request

 

Should you persist with threats of doorstep collections or legal action as stated in your letter, I will welcome the opportunity for a judge to look at several offences committed by Barclaycard (and by association, yourselves) under The Consumer Credit Act, 1974, as well as your principal’s non-compliance with and total disregard for the law on this occasion.

 

Yours faithfully,

 

You could also enclose a copy of the "you may not visit me" letter if you havent already done this.

 

 

Who sent you the Default Notices, was it Barclaycard or Mercers. It would be good if you could remove any identifiable information and post them on here.

 

I believe that Mercers arent allowed to send out DNs in their own name as they are B/card's inhouse collection agency. Plus, DNs from B/card - Mercers are inevitably full of errors.

 

 

 

 

 

 


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Heartfelt thanks for making your way over to this thread. Mercers issued the default notices on the Visa and Mastercards on 2 September.

 

I am now goint to upload the letter and cca request fulfilment documents. They are just bumf basically.

 

Image of barclaycardletter6 - Photobucket - Video and Image Hosting

 

Image of barclaycardagreement1 - Photobucket - Video and Image Hosting

 

Image of barclaycardagreement2 - Photobucket - Video and Image Hosting

 

Image of barclaycardagreement3 - Photobucket - Video and Image Hosting

 

barclaycardagreement5.jpg - Image - Photobucket - Video and Image Hosting

Edited by overdone
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Image 1: Standard template letter

 

Image 2: A copy document for your retention. Until you see the original, how do you know it is a copy of something you have signed ?:D

 

Image 3: T&cs but from when. No link to any of the other documents.

 

Image 4: Same as image 3, no link to anything

 

Image 5: At the top of the document, left hand side it says... "Continued from previous page". There doesnt appear to be a previous page ? Again no link to any of the other documents.


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Found another bit of agreements and have removed my details.

 

Image of barclaycardagreement5a - Photobucket - Video and Image Hosting

 

Also, front and back of mercers default notice. What I need is a list of faults to put in a letter to mercers? I think.

 

mercersdefaultfront-1.jpg - Image - Photobucket - Video and Image Hosting

 

mercersdefaultback-1.jpg - Image - Photobucket - Video and Image Hosting

 

Slowly losing my will to live with all this scanning and uploading and confusion.


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Do I send mercers something like this or do I need to add more detail?

 

 

Dear Sir/Madam

Re: Account number: xxxxxxxxxxxxxxxx

 

ACCOUNT IN DISPUTE

Thank you for sending me what you have confirmed to be a true copy of the credit agreement that exist in relation to this account. As you have sent this document in response to my requests under Section 78 (1) of the Consumer Credit Act 1974, then this statement by you is now binding on you as per section 172 of the Act.

 

The document that you have supplied does not constitute a legally binding regulated agreement between us and is in breach of Section 61 of the Consumer Credit Act 1974 and is therefore unenforceable by virtue of Section 127 of the act.I am aware that Section 127 was repealed in the Consumer Credit Act 2006 but this is not retrospective and applies only to agreements signed after 6th April 2007.

 

I do not and will not acknowledge this alleged debt. Furthermore, I dispute the legality of the debt until such a time as you can produce a satisfactory consumer credit agreement.

 

Furthermore, you are advised that a creditor is not permitted to take any action against an account whilst it remains in dispute. The lack of a properly executed credit agreement is a very clear dispute and therefore the following applies:

  • You may not demand any payment on this account, nor am I obliged to offer any payment to you.
  • You may not add any further interest or charges to this account.
  • You may not pass this account to any third party.
  • You may not register any information in respect of this account with any of the credit reference agencies.
  • You may not issue a default notice related to this account.

I also requested that you remove any default registered with any credit reference agencies against this account as you are not permitted to default a disputed account. I further request that you confirm to me in writing that you have complied with my request. Failure do so may result in legal proceedings being taken against you to enforce the removal of this default and at such time you will need to explain why you have issued a default on an account that is not regulated under the consumer credit act.

 

The Data Protection Act

 

Please note: you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and you are advised that you are not entitled to refer this account to any third party and this includes but is not limited to any debt collection agency and credit reference agency.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’ you must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

 

I look forward to your reply regarding this matter.

 

Yours faithfully


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And the other one, Barclaycard Visa. Had a letter from Debt managers. Wonder why Barclays bother to back two horses.

 

NOTICE OF FORMAL DEMAND.

 

We act as agents for Barclays PLC trading as Barclaycard.

 

Barclaycard has informed us that you have not complied with the default notice recently sent to you. The balance stated above is now due in full and Barclaycard demands that you pay this amount immediately.

 

Your payment made payable to Debt Managers Ltd should be forwarded to us at the address above quoting ref xxxxxxxx

 

Statements will no longer be sent to you and interest will be charged on the outstanding balance at the rate of 1% per month.

 

If you opted for cover under the Barclaycard Payment Protection Plan this has now been cancelled and no further premiums will be debited from the account.

 

It is Barclays policy to pass information on to Licensed Credit Reference Agencies when we send you a formal demand and you do not repay the amount asked for.

This may affect your ability to get credit from other lenders.

 

TO STOP ANY FURTHER ACTION PLEASE TELEPHONE 0870 050 1046 for help immediately.

 

NO name or signature.

Edited by overdone
typo

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Sorry overdone, I kind of missed your posts over the last couple of days.

 

Okey dokey.. the Default notice, the remedy date was 19th september, but what was the date on the top of the notice, you have blocked that out ?.

 

There should be 14 clear days from the date of the notice to the remedy date. allowing 2 days for delivery.

 

The actual notice is not in the prescribed format. there is text that is underlined but it should be in capitals and in bold typeface.

 

You could send Debt Managers a bemused letter

 

 

 

Dear Sirs,

PLEASE DO NOT IGNORE THIS LETTER -

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

Account No:

 

Your letter, reference above was received today. I was in fact surprised to hear that Barclaycard have asked you to contact me regarding the above. Since they are in breach of my Consumer Credit Agreement requests (Consumer Credit Act, 1974); dated XX XXXX 2008 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance.

 

Your principal had until XX XX XXXX to comply with a legal request. They are now in breach of that request. I am enclosing copies of the letters sent to Barclaycard for which I have received no reply other than a letter from Mercers Debt Collection with the implied threat of legal action.

 

I therefore suggest you return this account to Barclaycard.

 

 

 

Yours faithfully,

 

 

 

Your letter to Mercers looks good as well. :D

 

 

 

 

 

 

 


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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2nd September is the date on both Mercers default notices. Am now about to type letters to all parties concerned. The letters to Mercers was pinched from 42 man originally, and I understand and is now circulating the forums.


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2nd September is the date on both Mercers default notices. Am now about to type letters to all parties concerned. The letters to Mercers was pinched from 42 man originally, and I understand and is now circulating the forums.

 

 

hmmm, 2nd September gives sufficient time = 17 days. Therefore only the format of the DN could be called into question. Plus, I believe that Mercers are not able to issue one in their name it has to be issued by Barclays. I dont know where you will find that information, one of the legal bods, maybe 42man would have some knowledge of that.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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sent letter in post 18 to Debt Managers and they have responded.

 

21 November 2008

 

Dear Overdone,

 

We refer to previous correspondence. We write to advise we have requested a copy of your signed agreement and statement from our client and will revert to you once this is in hand.

 

Debt managers.

Edited by overdone
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Finally, they get the message :D


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I sent post 12 letter to credit solutions. It seems Credit solutions have a brother company called power2contact who do not care about the letter in post 12 unless these companies do not communicate very well with each other.

 

Dear Overdone,

 

Re Barclaycard.

 

We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT.

 

You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account.

 

Our visits take place within the following hours:-

 

Monday - Friday 9 am - 8pm

Saturday 9am - 12 Noon

 

Should you wish to avoid this course of action, you must contact our instructing agent WITHIN 72 HOURS of receipt of this notice:-

 

Credit Solutions Ltd

Capella Court

Brighton Road

Purley

Surrey

 

tel 020 8763 4514

 

Failure to comply to this request may lead to the above action without further warning or notice.

 

Yours faithfully

 

M Abbot

Power2contact LTD


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Yep, I received one of those as well after replying to everyone of Credit Solutions letters.. this was my response to Power2Contact

 

The letter was addressed to both of them

 

Power 2 Contact

Credit Solutions Limited

Capella Court

etc....

 

"ACCOUNT IN DISPUTE - DO NOT IGNORE THIS LETTER

 

I am in receipt of your brightly coloured postcard dated (whenever), received on the XX and your letter dated (Whenever) was received today, XX .

 

I enclose my letter to you dated (whenever) which your company received on (Whenever) and for which I have signed proof. This most certainly refutes the untruth in your letter received today in that I have ignored requests for contact.

 

My letter dated (Whenever) does however advise that I will not enter into further correspondence until my request has been complied with.

 

However, this letter is just a courtesy to advise what further steps I am taking. Today I have written to the OFT, a copy of that letter is enclosed for your attention.

 

Yours etc.

 

**********************************

 

I then sent a letter to the OFT using Banfodder's template

 

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

 

I enclosed a copy of this with the letter to Power2 contact. You could also send them the you may not visit me letter... I will find that for you later on.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Despite post 21 above, Debt Managers have written again.

 

Account due to: Barclaycard

 

Client Ref

 

Our Ref XXXXXXXX

 

Amount to be Sued: £5192.xx

 

Your failure to respond to previous letters has resulted in your account being passed to this department for Court Action and our solicitors may prepare the Court Papers within seven days. If you wish to avoid legal action you must now pay in full today using the attached giro or you can phone and pay by Debit or Credit card or alternatively you must immediately telephone our legal manager on 0870 050 1046 who will try and instill you with our policy on institutional unreasonableness.

 

Supervisor

Court Department

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