Jump to content
  • Tweets

  • Posts

    • Hello and welcome to CAG. People should be along to advise over the course of the day.   Which retailer are we talking about please?   By the way, something seems to have gone wrong with the spacing in your post above so I've popped in some paragraphs.   Best, HB
    • I'm after some advice before I fill in and return the section 172 "request for driver name and address".  I am the registered keeper of the vehicle stated .   The alleged offence (Exceeding variable Motorway speed limit 68mph in a 60mph zone) was committed on 29/07/2020, the NIP is dated 31/07/2020.  On Wednesday the 29th July 2020 a friend and I were driving for a much needed break from South Wales to spend a few days in Yorkshire, we shared the driving for the 4.5 hour journey at just over an hour at a time each.    My problem is this, 1.I have no idea of the location or recollection of the place to which the police refer (M1 Northbound Duckmanton Derbyshire?)  and 2. I cannot say with any accuracy which of us were the driver at that particular time.  I have a clean driving licence and am usually very speed aware using the cruise control at most times.   an offence for a mere 8mph on a motorway with everything that is going on at the moment seems extremely harsh IMO.     I would much appreciate if anyone could offer help / advice at what I should do next? Many thanks  🙁
    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days) And fixed it,   It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap   I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell Turns out the wires had melted on the back of cooker I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff....I wanted a refund or replacement I had had the cooker 6 months just! I asked for a refund or replacement    I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family I didn’t want this cooker fixing again ( by whom) They started to blame me and said I should be grateful they aren’t charging me for the repair!   Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one.   I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out! I am struggling with making the county court claim ? What shall I do?   ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 8 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

MSDW/ Barclaycard Vs NTTF

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3631 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Does a Default Notice have to be sent by the original creditor? I have received a DN from Mercers.

It is faulty in number of days allowed to rectify however it only asks for the arrears amount.

On the back it states they may terminate.

More correspondence ensued but no indication of termination, in fact more statements which show interest is still accruing.

7th April Demand from Resolvecall asking for arrears on account, now showing as full balance

16th April Demand received from Calder Financial asking for the full sum

The account is an old MSDW then Goldfish now Barclaycard which they have failed to produce an agreement for.

Is the account terminated as they have now requested payment in full?

if so was it the Calder demand that has terminated it despite the Payment due only being £586 according to the box out.

this has yet to be issued on but I would like to accept their termination before they isssue.


Mercers Dn.pdf

Calder Financial.pdf

Edited by NewToTheFight

Share this post

Link to post
Share on other sites

Calder and mercers are just different departments of Barclaycard, never heard of resolvecall, may be a DCA.

The DN must be from the OC, but its thin point if mercers sent it, the fact that its not in the prescribed form would bear more weight in court


To help others, how old is the alleged MSDW account?

Have you sent a proper CCA request by recorded delivery?, and have you had a reply within 14 days?, if not why have you not formally put the account in dispute?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Share this post

Link to post
Share on other sites


The DN clearly states Mercers act as agents for Sharkleys so don't see too much problem about it being from the OC.

Thanks for clearing that up for me.

Would you think I have enough evidence to say the account is terminated, so that I can accept their unlawful recession?


The account is ancient, they have sent terms from 2003 but the account may be older - I haven't looked out the statements yet.

I have indicated on several occasions the account is in dispute and have had final response letters from the OC

At the moment I am having fun with them by refusing to answer them on the phone and when they write I ask them to prove they have an interest in this matter.

When they either prove they have an interest or issue I will remind them that the account is in dispute as they have not provided a full response to my S78 request.


I think this account is so old they will not have any original paperwork but want them to issue so that when they discontinue they can't come back again.

Share this post

Link to post
Share on other sites

I cant say for sure its terminated yet, others will be on with their opinions on that one.

I and many others on here also have one of these old MSDW accounts, Barclaycard dont generally bother pursuing much beyond this point, preferring to sell it to a bottom feeder, and claim the rest back in tax allowances, mine is with cabot, i am not at all worried about it, as i know they do not have a enforceable agreement, and would be happy to defend against any court claim.

I have already won against Barclaycard/CL finance on a Barclaycard alleged agreement...check my thread in the WON forum

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Share this post

Link to post
Share on other sites

Thanks for the input CCM. I will have a read later :)

I am still not sure if the account is terminated but have got a letter from Debt Managers headed 'Notice Of legal Action' asking for the full amount.

I guess that pretty much terminates the agreement but not 100% sure as it's only from them not Barclays directly.

Share this post

Link to post
Share on other sites

Yes quite agree, i would be cautious too, but are you still getting monthly statements, if not you could argue its terminated, as the statements should form part of the alleged agreement

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Share this post

Link to post
Share on other sites

Last statement was may, it bears a note ' Please be aware your card has been withdrawn.'

Obviously I wish to avoid accepting a termination before it has legally happened, they could then refuse to accept and reissue a valid DN

Maybe we will get some further input for clairification

Share this post

Link to post
Share on other sites


Have any other Caggers got input on what & most importantly who can teerminate an agreement.

Can a DCA terminate on behalf of an OC by demanding the full amount?

Share this post

Link to post
Share on other sites

I think you can take it its terminated if you haven't had a statement since May, certainly you would argue that in court, which is why i would keep it to yourself in case you get there. Obviously the more time goes by without a statement the better. Also you say they have since demanded payment in full...another point to argue the acc. is terminated.

I would expect them to next send it to a DCA for collection, no problem there, as you just say its in dispute, send it back, then they will sell it to another DCA.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...