Help needed Urgently Barclaycard/Mercers

[slick132]

Does it matter then whether they have the original or just a scanned copy? I thought it wouldn't make any difference as its still a copy of the original showing my signiture etc.

The difference would be, if this went to court, the creditor should have the original credit agreement. However, as it is not a reconstruction but a copy of the original document, a judge may decide to accept the copy document. It would be down to the judge on the day.

 

But BC rarely take their cases to court ............ 8-)

Edited October 9, 2010 by slick132
typo

[gem77]

Hi all. BC have been rather quiet lately so been concentrating on my MBNA who have decided to take me to court. However I recieved a letter today from Debt Managers Ltd demanding the full amount and that interest will be charged at 1% a month. Do I reply with the same thing i've keep sending BC stating the amount I can afford each month? I still have my SAR to do as money has been very tight lately but will get it done asap do I now send it to Dept Managers Ltd of still to BC.

[slick132]

Hi Gem,

 

I assume the letter from Debt Managers is for the BC a/c, but please confirm.

 

Ignore DM and send the SAR to BC as soon as you can if you think there may be penalty charges you can reclaim on the BC a/c. If you delay doing this, you will lose out on a/c data that is older than 6 years.

 

8-)

[gem77]

Hi Slick, Yes, sorry the letter from debt managers was for my BC account. I have a few charges on there from the last 6 months but I also have PPI that I took out when I applied for the card even though I stated I was self employed. This goes back to 1999 though. gona send the SAR as soon as hubby gets paid.

[slick132]

If you stated on the application form that you were self employed, this should certainly help in reclaiming the PPI plus compound interest at BC's contractual rate.

 

The £10 SAR fee could prove to be £10 invested very wisely.

 

Disputing the PPI, once you get the SAR data, will put the a/c into formal dispute and any DCA will have to back off.

 

8-)

[gem77]

Thats what I like to hear Slick. Not sure how long ago it was that I stopped it. Hopefully I will have some money next week and thats the first thing I will do.

[gem77]

Hi all Recieved another letter today from Debt managers LTD. Reads as follows:

 

NOTICE OF LEGAL ACTION

 

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 7 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 0844 225 3047.

 

Supervisor

Court Department

 

Should I be worried about this. I am sending the SAR today 1st class recorded. What should I reply to DM?

I am getting so stressed out with all this now it is really getting me down.

[laalinz]

I may be wrong but if they have requested full payment they have in fact terminated the agreement,

 

I am sure someone will be along in a minute to advise you better then I could.

[gem77]

Thanks Laalinz. Definately sound that way. I am already in a battle with MBNA issueing me with court papers I could really do without another.

 

Gem

[laalinz]

bump

[laalinz]

Have you read up on Debt Managers LTD on here? After reading a few posts they sound like a right bunch of muppets

[gem77]

Hi Laalinz. no I couldnt find any. Dont supose you could point me to some threads of them could you?

[slick132]

Hi Gem,

 

Good to see you're sending off the SAR.

 

You can now reply to DM Ltd saying you have sent a SAR to BC because of a potential dispute over charges (you don't need to tell them any more than that). Accordingly, they should hold off any further collection activity pending resolution of the dispute.

 

This is just one of their usual letters and is very unlikely to lead to the court action threatened.

 

8)

[gem77]

Hi Slick. Yep sent off today 1st class recorded. Ok so I will send a letter to DM tomorrow.

I am a Little jittery as people were saying that MBNA were just threatening then court papers fell through the door and the BC acount is double what the MBNA is. Lets just hope there are more charges than I relise and lots of PPI that might reduce it by quite alot .

Thank you for all your help. My head is just buzzing at the moment trying to fight off all these vultures!

[slick132]

Hi Gem,

 

No guarantees given here !! But BC tend to be slow to litigate.

 

Hang on in there.

 

8)

[zeeshop]

I am also dealing with barclay card credit card, Car limit was 500, few years before and now my remaining balance is over 1100, i understand I am lazy in keeping payments but whenever they put pressure on me i se minimum arrangement to pay them, this also haappened when BC passed my case to Marcers and I made agreement with them paying 15 a month.

can i ask BC to send me complete list of my payment including payment I made via marcers. will this be possible if BC have recors of my payments to marcers.

 

 

Thanks

[zeeshop]

Can I reclaim any charges. i only spent around 400 out of 500 limit now I owe them over 1100.

 

Any format of letter available so I can request barclay to provide me full list of account statements from start of my account with them.

thanks

[laalinz]

http://www.consumeractiongroup.co.uk/forum/showthread.php?273938-Debt-Managers-Ltd-and-Barclays&highlight=debt+managers+ltd

 

Good luck with your SAR, I am just going through the process with the help of Slick (gotta love that guy) 8-)

[slick132]

To Zeeshop,

 

I'll answer your queries on your own thread.

 

8)

[gem77]

Good luck with your SAR, I am just going through the process with the help of Slick (gotta love that guy) 8-)

 

Thanks Laalinz and you are so right. both slick and andy from the MBNA forum have been a god send dont know what I would do without them.

 

Letter sent to DM ltd. lets hope they back off.

[gem77]

recieved this today. Please can someone let me know what I should reply. I sent a letter stating I had sent an SAR request to barclaycard but they have obviously ignored that. starting to panic now.

 

Document removed just now as it still showed personal data. 8-)

Edited November 7, 2010 by slick132
doc't removed re anonymity

[laalinz]

I think its just a threat as it says 'may be instigated in the Rotherham Court'.

 

I am sure someone will be along very soon to advise you better. Above all DO NOT panic.

[gem77]

Thanks laalinz.

It just all gets on top of me at times. I also had a recorded letter from the posty but missed him so cant get it till tomorrow and worrying what that is now as well. Not having a good day!

[laalinz]

Hang in there. I am in the same boat, worry about what the postie is going to bring everyday. I always feel better after coming on here, and believe me some of the things DCA write can have you spitting feathers.

 

At least you are not just burying your head in the sand and you are taking measures to sort this out.

 

We are all here to help

[gem77]

To have such support on here does help alot. I dont know what I would have done without you all infact I dread to think. I am hoping the recorded letter is the SAR responce although I have never had one sent recorded before. just praying it is not another set of court papers!

We will help keep each other strong laalinz we can beat these vultures! x