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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
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    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Please advise - Claiming Back DCA costs


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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 :)

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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!

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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

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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.

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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

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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 ?

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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

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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

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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

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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

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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.

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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.:)

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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

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