Jump to content


  • Tweets

  • Posts

    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
    • Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Please advise - Claiming Back DCA costs


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6331 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello,

 

This is my first post to the site. I am currently pursuing my claim with Barclays Bank. Copies of statements recieved (in time and for no fee - so far so good!).

 

The real question....

 

I am also just about to embark on my claim with Barclaycard. I have all my statements. I paid just over £200 a few years ago to a DCA (Mercers). When i purue my claim do I claim back from Barclaycard for illegaly instucting a DCA to collect a charge that they were not entitled to claim.

 

Or....

 

Do I claim directly from the DCA for taking this charge. Or have i forfietted this cash because i paid it at the time?

 

This may well have been discussed before - so apologies if this is the case. All help/advice greatly appreciated.

 

Thanking You,

 

HowdyDoody :)

Link to post
Share on other sites

Thank for that.

 

I think the majority of the charges were from Mercers. So i will do that. Thanks.

 

Also a a humourous point i thought i'd tell you that my BC account manager was called Susan Leach. Made me chuckle anyway!

Link to post
Share on other sites

You should be able to get the Mercers charges back. I wrote to Barclays about charges 1st Credit imposed on me and Barclays refunded them back to the account I was paying...

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

Link to post
Share on other sites

Alright. I think i might try to get the money back from BC first - after all they did enable someone to collect the 'debt' unlawfully - if they refuse i'll try direct to Mercers (if they still exist!). Tis all a bit confusing :confused: .

 

Thanks guys.

Link to post
Share on other sites

Alright. I think i might try to get the money back from BC first - after all they did enable someone to collect the 'debt' unlawfully - if they refuse i'll try direct to Mercers (if they still exist!). Tis all a bit confusing :confused: .

 

Thanks guys.

 

Oh, they exist. Chased me not long ago!

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

Link to post
Share on other sites

Alright. I think i might try to get the money back from BC first - after all they did enable someone to collect the 'debt' unlawfully - if they refuse i'll try direct to Mercers (if they still exist!). Tis all a bit confusing :confused: .

 

Thanks guys.

 

Who owns the debt ? Barclaycard or Mercers ? Have you issued a CCA request to Mercers to find out if they legally own the debt ?

Link to post
Share on other sites

Who owns the debt ? Barclaycard or Mercers ? Have you issued a CCA request to Mercers to find out if they legally own the debt ?

 

 

Well i've paid the debt now (it was a couple of years ago). So nobody really owns it. I'm missing some information from a few missing statements so i've got to do Data Request for these missing statements.

 

Can i still use a CCA request if the debt is clear? As i've got to do the Data Request anyway could i ask them to include any debts they have passed on - and to who they passed them on to?

 

Any suggestions greatly appreciated...

 

Ta

 

HD

Link to post
Share on other sites

Hi,

 

I don't suppose you've got any contact details for them have you?

 

Ta

 

HD

 

I'll have a squint through my documents, should have something!

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

Link to post
Share on other sites

According to what I can find out, Mercers share the same address as Barclaycard's data controllers. Mercers are a part of Barclaycard, not a seperate company. I seem to remember them having the same address on my documents, which I appear to have shredded once I settled the debt (through claiming back the charges lol). Mercers are very difficult to find - someone on another board reported that they have filed "dormant" reports with Company House for ages. Surprising considering they wrote to me about three months ago!

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

Link to post
Share on other sites

Very interesting... thanks for that

 

Sneaky little blighters aren't they! (polite phrasing for benefit of those who may be easily offended)

 

So i will request the data from BC, and send another data request to Mercers at Barclays address. That should cover all my bases.

 

I'll do a little research on Mercers with Companies house. If they are indeed dormant i'll claim it all from BC. My gut instinct tells me Barclays have a pool of in-house DCA's that they rotate around for this very reason!

 

Thanks

 

HD

Link to post
Share on other sites

Thanks guys....

 

PS. Priority One - would you specifically ask for information relating to Mercers - or should the Data Request standard letter (in the library) cover referrals to Debt Collection Agencies.

 

Ta

 

Your S.A.R - (Subject Access Request) covers all data that is held about you, so you should get the lot.

 

While you are checking at Companies House, you may also want to check to see if Mercers are registered with the Information Commissioners Office as a data controller... and if they have filed dormant company accounts.

Link to post
Share on other sites

Hi Howdydoody,

 

The address for Mercers is PO Box 55, Liverpool, L32 8XX. The tel no is 0870 410 0385. There is a fax no which is 0151 549 7997. According to the details I have, their registered address is Citypoint, One Ropemaker St, London EC2Y 9SS. Registration No is 2550639.

 

I hope this info is helpful!

 

Laiste.:)

Link to post
Share on other sites

I have a funny feeling that, although Mercers chase you for the money, it's Barclaycard that it goes directly to. I think I've spoken to Mercers before when I got a letter from them (bear in mind this was years ago) and they told me to phone Barclaycard. I THINK all they do is the chasing and threatening, so it's still BC who should be SAR'd.

 

I hope so anyway, as I'm going to be chasing BC for unlawful charges in a couple of weeks time when I get home.

 

Seahorse

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...