barclaycard/mercers

[reallymadwoman]

It can't hurt, and at the cost of £1 to you it might help.

 

Yes, they can now supply a reconstituted agreement in response to your request, but they also have to tell you it's reconstituted and should tell you if they still have the original, and that piece of information alone may be all you need.

[oilyrag]

removed or

Edited January 27, 2010 by oilyrag
deleted

[walkinthepark]

Would it be better to tell that I'm not paying any more until they stop interest etc and accept my payment which I've been paying by s/o

[SlimSilver]

hi SS

 

The banks et al can send you toilet paper in response to s78 request, however enforcement in the courts is another matter. Manchester test cases were about s78 and nothing else. HHJW posively said that he was ruling on nothing else. Nothing has changed. In fact if the whole judgement is read through and not nit picked all the time then there are positive avenues for consumers to exploit. try the other threads but they are much involved. claim stayed for cca test cases and dissecting the Manchester rulings.

 

OR

ah, i see. you mean that the bank can satisfy a s78 request by sending rubish but it doesnt chnage the fact that they still need to produce proper docs to get a judgment?

[oilyrag]

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Edited January 27, 2010 by oilyrag
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[oilyrag]

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Edited January 27, 2010 by oilyrag
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[reallymadwoman]

This is a personal choice, but there is no reason why you can't do both and the lack of the original agreement or a reconstituted or copy agreement that lacks prescribed terms may give you incredible bargaining power.

[walkinthepark]

And do I CCA Mercer's not Barclaycard as they are the ones who are chasing me.

[havinastella]

And do I CCA Mercer's not Barclaycard as they are the ones who are chasing me.

 

They are one and the same!

 

Jogs

[walkinthepark]

Yeh, I know but do I send it to Mercers address or Barclays? I know they are probably next door to each other but I have different addresses for them both.

[walkinthepark]

It's a bit clearer now - thank you

[reallymadwoman]

Send it to Mercers. They are the ones chasing you, so they should have the paperwork.

[walkinthepark]

Thank you.

[walkinthepark]

Hi

 

I'm wanting to claim my PPI back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.

Edited January 17, 2010 by walkinthepark

[alanalana]

Hi

 

I'm wanting to claim my PPI back as I wasn't aware that it was optional. Also, can someone tell me if having PPI is useless if you work part time as I only work 19 hours? Does it state on your statement that you are paying for PPI. I've had this credit card for years and I'm sure I've got PPI but don't want to look an idiot. My credit card is in dispute and I want to make doubly sure that I have it before I contact Barclaycard. Thanks.

 

Please read the stickies at the top of this forum for all the necessary links to help you claim. Here are a few to get you started.

 

PPI - Some Notes for Claimants..

 

BANKS are giving incorrect advice on PPI

 

Full SAR for ppi

 

Data Protection Act 1998 - Subject Access Request

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

 

A ‘demands and needs’ questionnaire.

 

Copies of all statements applicable to the loan/card/mortgage.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

Mis-sold PPI? Want your money back? use these links to help

 

This should keep you busy. Homework first then get your money back.

 

aa

[Snowingagain]

Hi Thank you for this it was very interesting.

[walkinthepark]

I'm in the process of sorting my debt out. All is going well but I was wondering if someone could explain this to me. I've noticed on my statement it says Purchase Interest £8.00. I know this might be a silly question but I want to settle my curiosity as every pound counts! Why do they charge you Purchase Interest even if you don't use your card to purchase anything? There I've said it now .......

[Pinky69]

I suspect it is interest on purchases made previously on which the balance remains uncleared, as opposed to cash interest.

[walkinthepark]

Ok thank you for this.

[Hardupnotfedup]

Pinky is probably 100% correct but are all the entries £8 or is it different amounts each time

[walkinthepark]

They range from £8 to £10+. Thank you.

[walkinthepark]

A bit of advice required. I've come to an agreement with Barclaycard to pay a certain amount off every month. Also, after I complained to them about the service I was getting ie numerous phone calls from Mercers etc they agreed to stop interest. This agreement would be reviewed at a later date. I'm now getting charged for late payment and going over my credit limit. I pay before the 'date due' date on my statement because I pay with s/o. I suspect it is because I'm not paying the full amount required. Is this correct?

 

Also, it isn't me that's gone over my credit limit but the charges that have been put onto my account that has taken me way over.

 

If I send a Subject Access Request off could I claim back the charges? Is it better to do this then a CCA?

 

I've noticed it has now been passed to Calders from Mercers as well.

 

Kind regards

[PGH7447]

calders / mercers = same desk = same threat machine

 

sar barclaysharks and dispute these charges etc

[walkinthepark]

Thank you for this. What address do I send it to? I only know the Bolton one on the back of my statement. Cheers.

Edited April 12, 2010 by walkinthepark

[maroondevo52]

You should find one in here..................

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/3331-barclaycard-contact-address.html