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    • Please make sure that you have read at least a dozen or so of the other Hermes stories on the sub- forum. Come back and confirm that you have done this. Once you have done the reading you will understand the whole situation about insurance and you will understand that with our help you will be able to get all of your money back. You will also understand how it works and the fact that Hermes will force you to go to court and they will eventually go to mediation and there they will end up offering you pretty well everything you are claiming that they will try to hold back on a few things such as court costs. You will also understand that if you stand your ground then you will get everything. You will see that Hermes will exploit the tax payer funded poorly resourced County Court system in order to avoid their proper responsibilities towards you and to avoid the consequences of their own negligence in handling your property. Hermes treatment of their own customers and of the County Court system is abusive but I'm afraid that there is nothing we can do to stop them other than to challenge them all the time and to make sure you get your money back. You will need to begin a formal complaint against Hermes. Simply tell them that you don't accept their position and you want your money back. Send it to them by email. Don't certainly deadlines – but wait probably about 10 days and then if they refuse or if you don't hear from them come back here and we will help you with the next step. If you've done your reading then you will know what those steps are You will get your money back but I'm afraid that Hermes will spend far more than it's worth to try and deprive you and so it will probably be at least two or three months.  
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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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Fos say mercers is a separate company and not part of barclaycard


sweetjane
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I have a big complaint going through FOS re Barclays & Barclaycard and their bad handling of someone in Financial Hardship.

 

One of my issues is harassment by Mercers but the FOS says "this is a new issue about a separate company". Can anyone confirm whether Mercers is part of Barclays or not? All I can find on the web linking them is a Consumer Credit Licence Register for Gothia Limited which has both Barclays and Mercers listed as current trading names. Both Mercers and Gothia Ltd are on the Companies House register. We all know if we ring the Mercers number (which I don't anymore) they answer "Barclays" and if you ring Barclaycard, you are magically put through to Mercers. What gives? Anyone know? Any advice greatly appreciated. :???::???::???:

 

CDCS is on the CCL Register under a long list for Barclays Bank plc

 

All the best, SJ

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Hi Sweetjane,

 

Mercers are Barclaycard's primary in-house Debt Collection arm. They are definitely a part of BC and are not a separate company.

 

Calders are often BC's next in-house DCA.

 

Have you reclaimed all penalty charges on your BC a/c, including compound interest in restitution.

 

The FOS are not likely to get you the result you want and tend to side with the banks.

 

8-)

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Thanks Slick, that's what I thought. It is all so secretive - why isn't there anything on their website. What are they so ashamed about. Yeah, I know the answer - their appalling debt collection practices. You're right about the FOS - they just seem to ignore the OFT guidance on debt collection and keep going on about the Lending Code. One of the clauses of the Lending Code is that banks should follow OFT Guidance but the FOS just seem to ignore that. It is SO FRUSTRATING!!! If anyone can find written proof from Barclays / Mercers on the net confirming the link with eachother - that would be great. I'd love something to send back to the FOS. BW, SJ.

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Hi SJ,

 

Bc's link with Mercers, Calders is well known and is mentioned countless times in the BC threads. I believe Mercers don't actually exist as a trading entity with the company listed as dormant in the past.

 

However, I'd look beyond all this and the case with the FOS. As I said, you'll get little satisfaction from them.

 

Concentrate on reclaiming penalty charges and any PPI and seek compound interest in restitution on all amounts claimed.

 

You didn't say if there are penalty charges - please let us know.

 

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We got some charges back in 2008 but I think we only asked for and got 8% so I will look back and see what we can do about that. I think we got about £300 total back. We are no longer paying interest because of financial hardship. The debt is over £9k and they've (both Mercers and Calders in the past) offered £4k as a settlement - not that we can afford that!

Anyhow thanks for your advice Slick. I'll look at the tutorial. SJ

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The Tutorial Link isn't working at the mo but I'll get it back asap.

 

If you've reclaimed charges already, you cannot then go back and seek interest in restitution retrospectively. You have to claim it it the same time as the charges.

 

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