Barclaycard - Mercers/Calder/DML

[Oldchap]

Barclaycard failed to provide a CCA, even after letter 7 so I handed the case over to the FOS because they were pursuing unlawfully.

 

Barclaycard then handed over to Mercers, who chased the debt. I informed them that the account was in dispute and should be returned to Barclaycard. They did then Barclaycard handed over the Calder, I informed Calder of the situation and they chose to ignore the dispute. Calder has handed over to Debt Managers Ltd and they are now harassing me. They phoned me today and I asked them who DML was they would not say I later found out that it was Debt Managers Ltd, Edinburgh, I informed them of the situation and they asked me to get the FOS to contact them.

 

I should stress that every letter has been copies into the FOS and all letters were sent RC.

 

Could someone please let me know where I stand.

 

Do I wait for a knock at the door or hope that the FOS replies in time to stop such action ?

 

[supasnooper]

Never speak to a DCA on the phone unless you are able to record the call......... it's always starnge how parts of a phone conversation are forgotten.

 

Write to DML stating the account is in dispute and ask them to contact the Financial Ombudsman Service (which i doubt they won't) and include the telephone harrassment paragraphs as well.

 

Please try to keep all contact with creditors to being in writing as you will then have paper evidence of what has been stated.

Edited October 20, 2009 by supasnooper
added

[Oldchap]

Thank you ... They caught me off guard, when I asked who DML was they wouldn't say... very strange. They asked for personal info which I was unwilling to divulge and they said they could not discuss the account, I said I could not offer any further info and directed them to the FOS.

 

I was brief and to the point and have followed it up with a letter to be sent recorded delivery.

 

I'm not sure why barclaycard would insist on handing this to 3 different DCA's when the account is in dispute and the case is being handled by the FOS. Lloyds have done the same - Is this normal practice ?

 

Thanks again for your help.

[supasnooper]

Whilst they should not be doing this, most creditors are !

 

Different DCA's have different tactics and methods to obtain collection - I'm sure you've read about most of them.

 

You need to report them to the Financial Ombudsman Service, and to the Office of Fair Trading for breaching their debt collection guidelines.

[Oldchap]

Many thanks, will do

 

Have made a contribution to support an excellent forum

[the_shadow]

Not sure about debt managers ltd but Calders and Mercers ARE Barclaysharks internal DCA's so they havent really passed it as such... other than walking to the end of the corridor possibly

 

So once you've told one lot that the account is with the FOS, they all know it, they just dont care I'm afraid.

 

S.

[Desperate Daniella]

DML wrote to me three times about the MSDW barclaycard. They sent a so-called copy of my agreement with bits missing all over the place. Wrote to them three times to point this out. Had already pointed this out to barclaycard who didn't answer the question either.

 

I read on Whocallsme that Debt Managers work for Barclaycard on "uncollectable debts". I don't know if I'll hear from them again.

 

I've now been sent to Moorcroft.

 

DD

[Oldchap]

Thanks

 

B'card did not respond to my letters, all send recorded, so I guess I have to wait now for the FOS outcome. At least if it goes to court I can show that I did everything possible to keep them informed and the reason for my dispute.