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    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
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Barclaycard - CCA Response


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Hi folks

Looks like we're all having the same run-a-round from B/C.

 

I've done the CCA, SAR and CPR -So far I've got 3 sets of T & C's some of my statements but the whole of 2006 are missing. The CPR resquest got me a copy of their data printout which has helped with my PPI claim. I've got enough customer feed back leaflet's to paper a small room (the smallest room is more appropriate) and a stack of letters say they will reply by whatever date -

I haven't complained to any of the official bodies yet - I don't see why I should give B/C another 8 weeks - this has been going on since the end Sept/October. They refuse to acknowledge that there's a dispute on the account, refuse to cancel the PPI and keep on piling on the charges and passing black markers to the CRA's.

 

I have been paying minimum payment+ since I started this mamoth treck with them - but in January I decided that the money was best spent issuing a Court Summons for damages and to get them to comply with my SAR. Technically it's only just been served so they've got a couple of weeks to come up with the statements and the credit agreement and anything else they hold. In the mean time I've slammed in a claim for some of the PPI with threats of court action. If the left hand at B/C finally gets round to telling the right hand what's going on I hope they'll realise I mean business with the refund.

 

So that's me in a nutshell - I'll let you know if I can get them to produce a credit agreement via the Courts.

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Subbing!

 

Guess what, I have just received this letter from Mercers aswell. To date (having asked for it in Nov 08) I have only had one letter from BCard containing the attached t's&c's. No agreement, no nothing despite sending them an account in dispute letter. The t's&c's arrived from BCard on Monday this week and the Mercers letter arrived today.

 

So, I am right in thinking that no agreement means that they remain in dispute until they get one and they cannot sell this debit onto anyone whilst in remains in dispute? What happens if they sell this debt on whilst it is in dispute?

 

Good luck everyone!

 

Bene

Barclaycard CCA Response.pdf

BCard Mercers.pdf

BCard Mercers 2.pdf

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Hi,

 

Mercers / Barclaycard (they both operate out of the same office) cant issue a default notice whilst the account is in dispute and are breaking the rules YET AGAIN!!

 

The debt hasnt been sold on - they think a different letterhead may scare people!!. Stop all payments now - you are entitled to until they produce a proper CCA agreement. Write back to Mercers enclosing copy of your letter and their reply re: CCA req and state that default needs to be removed or will be reported to relevant authorities. To lodge a default on your credit file Barclaycard need your signed consent (ie the CCA agreement) as they dont have it they are breaking the Data Protection Act by doing so.

 

I have been to 2 DCA's so far (and back to BC again) - I am in process of structuring a good letter to hit them with. I have wiped clear my Equidebt / Co-Op Visa card due to lack of agreement and waiting before this is cleared on Equifax/Experian before sending it.

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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Just checked online credit report with Experian and Equidebt have removed their entry totally from my credit file.... not a trace of it now... default gone, balance wiped off (£7k).:D:D:D

 

Barclaycard are in same position as Equidebt, it aint going to be easy - Equidebt took a couple of letters. Will keep you all posted of any latest developments.

 

Lets get everyone on this thread atacking Barclaycard..... we will win.... just may take a bit of time.

  • Haha 1

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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I agree, best way I found was to sit back and wait. If you get a letter from a DCA send them back an account in dispute letter. Give it a good 3 months since the 12+2 expiry date and send them a letter stating they haven't complied, can't enforce, can't do anything but write off and clear credit file letter :grin::grin::grin:

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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I agree, best way I found was to sit back and wait. If you get a letter from a DCA send them back an account in dispute letter. Give it a good 3 months since the 12+2 expiry date and send them a letter stating they haven't complied, can't enforce, can't do anything but write off and clear credit file letter :grin::grin::grin:

 

Pretty much... :D... although it takes them A-G-E-S to give up trying to intimidate you through Mercers usually... They also like to slap on interest and charges; so that you worry that your "debt" is escalating....

 

Battle of wills at the end of the day.... ;) , but they do flog them out eventually.

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Subscribing

 

Now in the same state - obsolutely sick of barclayshark, fed up sending recorded letters to be ignored or just getting back the same old T&C's.

 

SAR just got sent back 6 years statements, LBA letter sent reply was just ANOTHER copy of T&C's plus page after page of codes, letter received today telling me mercers on now off the leash and coming to get me.

 

Love to stop paying 'em but in difficult position as I bank with barclays and cant get another bank account because of capone antics - but that my friends is another story.

 

Beachy

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  • 2 weeks later...

Well I have now received another love letter from the lovely Mercers:

 

Mercers4.jpg

 

 

 

There is however still no sign of a CA :)

 

I will just have to shake in my boots and hide in the corner, if they carry out their threat in the above letter :wink:

 

ska

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Well I have now received another love letter from the lovely Mercers:

 

Mercers4.jpg

 

 

 

There is however still no sign of a CA :)

 

I will just have to shake in my boots and hide in the corner, if they carry out their threat in the above letter :wink:

 

ska

 

 

 

 

Hi ska

 

See Mercers have gone for the 48 Hour tactic lol.

Just send them a bemused letter and say the account is still in dispute.

 

Gaz

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I have now received this letter from Sharklycard, apparently dealing with my complaint:

 

BC4.jpg

 

 

Now this confuses me a little as they claim to have sent me a copy of the original application form which has not arrived yet anyway, however I have asked for a copy of my original CA?

 

Anybody else had this from Sharklycard?

 

ska

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I have now received this letter from Sharklycard, apparently dealing with my complaint:

 

Now this confuses me a little as they claim to have sent me a copy of the original application form which has not arrived yet anyway, however I have asked for a copy of my original CA?

 

Anybody else had this from Sharklycard?

 

ska

 

Nice of them to admit they have an "Application" not an agreement... lets hope when it arrives it also contains none of the prescribed terms:D

 

PmW

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  • 2 weeks later...
  • 2 weeks later...

Well surprise, surprise no sign of the "Original Application Form" but a letter has arrived from another group of threat monkeys:

 

Barclaycard5.jpg

 

 

I notice at the bottom of the letter it mentions "Mercers Debt Collections Ltd"

 

Should I ignore this letter or send them a response?

 

ska

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