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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
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Calder Financial chasing Barclaydebt subject to DRO


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I received a letter from these people this morning, saying they had been trying to contact me (not so, had no calls or anything from them) and that someone was going to visit me on 13th. I had no idea who Calders were till I read up about them on here now it makes sense!

I had a Barclaycard a while back, then got into financial difficulties finally culminating in me getting a Debt Relief Order. Mercers were then hassling me for payment, so once I got my DRO I contacted them, told them about it and warned them not to contact me again. I heard nothing more from them till this letter came today. I know I am protected by legislation now but why do these DRA's continue to hassle you for money when they know fine well you do not have to pay it? And, is this use of a different name, a change of tactics hoping I dont realise it is the same firm trying it on again.:mad:

I hope someone does come out next week because I shall take great pleasure in flashing my DRO in his face!!!!:) But at the same time, surely what they are doing is illegal, and is there no way of stopping this kind of action? I also have the same problem with Littlewoods catalogue. They don't take a telling either.

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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Hi

 

Send them both a letter with your DRO number and tell them to shove off.

If they do call tell them without opening your door to shove off or you will call the police. You do not have to speak to them, or open the door to them, they are just little low lifes with nothing better to do. Tell them it is harrassment and that you intend to report them. It is also tresspass if they come to your door without you giving them permission.

 

DG:)

I have no legal training my knowledge comes from my personal life experiences

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lol had a card discreetly placed in a purple envelope with a visit date meself from them today, shame its in default of a cca request from mercers, and i dont care if they are in the same building/agency theyr getting the no doorstepping letters.

question everything!

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Hello Folks!

 

Just in case it is not clear, Calder Financial are just a Trading Name of Mercers, and Mercers are Barclays Bank plc.

 

Barclays likes to use different names to try and distance itself from the grubby end of its business.

 

Hold on!

 

Silly me, I forgot that all banking is grubby!

 

OK, make that Barclays likes to distance itself from the grubbier end of its grubby business.

 

Cheers,

BRW

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Are there any letter templates that I can use to send to these idiots? Mercers know damn well that I have a DRO so why do they continue pursuing this? I have told them many times I will not pay and that I am protected by legislation but it just doesnt seem to make a bit of difference ....:mad: I thought getting the DRO would stop me getting hassled .....

The man of my dreams is where he wants to be. If he wanted me, he'd be here ... :eek:

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My wife and i have now got problems with Calder.

 

Back in January my wife noticed two fraud payments on her credit card with Littlewoods. My wife immediately put in a stop of card and a fraud claim be issued against the account.

 

After numerous letters and 3 phone calls and 5 months we recieved the claim form from Barclaycard.

 

We sent the claim form back, and also we want to claim for all the charges that had incurred on the account. Now the reason for this is that my wife's card was in credit, always paid via DD and never missed a payment, she stopped the DD after waiting more than 2 months for the claim form.

 

By then Barclaycard had passed it over to Mercers, and now calders. we sent the claims form back to Barclaycard, but we are still getting the phone calls telling my wife she has to settle.

 

Now the issue here is that

 

1). 2 fraud transactions made on card - not card holder.

 

2). Requested claim form which Littlewoods. waited 5 months for form

 

3). Charges and late fees were issued on the card. this should not of been issued due to the card holders account in credit before the fraud transactions had taken the card over it's limit.

 

4). The card is now £194 over it's limit due to these charges and fraud payments on the account. We sent claim form off via Special Delivery and have a reciept and some one has signed for it at Barclaycard.

 

What is our next step

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Hi Tiptopman

 

The best thing you can do is to start a threadt off of your own you will get more response and also not take away any help from anyone else.

 

With regards to the telephone calls send them this letter:

 

Account Number: XXXXXXX

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (Even if you don‘t yet have recording equipment!)

 

Yours faithfully

 

Dont use your usual signature initials or type it.

 

Perhaps you should also report them to your local Trading Standards and the OFT.

If you've still not received anything from Littlewoods send them a letter to say that you have reported them to Trading Standards etc., and that you want all charges crediting back to the card and give them 7 days to respond.

Write to the low life Calders and tell them that they need to refer back to Littlewoods as there is a claim they have to settle.

By the way did you report the fraud to the Police if so include the crime number if you were given one.

Hope this has been of help to you.

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Just one more thing DG would you know the correspondance address for Calder

 

Off hand I don't know it but I can find that out for you tomorrow.

 

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Can anyone give me some kind of address please who i send the letter to regarding Calder ?

 

Thanks In Advance

 

Been ill last couple of days not been in work will be in work tomorrow so will post up address tomorrow night when I get home.

 

DG:)

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Hello tiptopman69!

 

Can anyone give me some kind of address please who i send the letter to regarding Calder ?
Cut out the Monkey, and send the letter straight to the Organ Grinder, this is it:

 

The Company Secretary

Barclays Bank plc

1 Churchill Place

London

E14 5HP

Cheers,

BRW

Edited by banker_rhymes_with
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Can anyone give me some kind of address please who i send the letter to regarding Calder ?

 

Thanks In Advance

 

We send our mail at work to:

 

Dalder Financial

PO Box 55

Liverpool

L32 8XX

 

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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