Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • dx100uk
      Letter from Resolvecall + Intrum

      By dx100uk · Posted

      did i say that? dx
    • dx100uk
      Approaching Pension Maturity - have debts to DCA's - do i have to tell them?

      By dx100uk · Posted

      let it run. dx
    • dx100uk
      Lowell/Overdales Claimform - old Cap1 Debt

      By dx100uk · Posted

      just send as is dx
    • dx100uk
      CPM/BW ANPR PCN Claimform - The Collective London Nw10 6Ff

      By dx100uk · Posted

      you mean you did aos on mcol yes? pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.   dx  
    • FTMDave
      CPM/BW ANPR PCN Claimform - The Collective London Nw10 6Ff

      By FTMDave · Posted

      The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.

  • Recommended Topics

  • Our picks

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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mercers Debt Collection

Donel261

By Donel261
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3827 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

  • Replies 509
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Guest dwheeler

Guest dwheeler

Posted
Posted
I would have thought an elementary knowledge of Consumer Credit law would have been a requirement for working at Sharklycard. Surely when you are telephoning people up you would need to know what you are talking about. Of course the manner in which you speak to people doesnt matter just so long as you reach your monthly targets. I am so glad that your bosses approve of you coming on here to act as an apologist for them and their shoddy practices. Maybe they will promote you to whatever is higher than a B. You may even become a C.

 

You all seem to be talking about cedit agreements and the right to persue people for money, sadly we dont get involved to that depth, we have to deal with customers who have been customer for 10 20 or 30 years so you pretty much assume that all the admin has been taken care of before they reach us, and I can say that I dont want any praise for coming on here I done it for my own reasons not cos I was told to

 

if someone would kindly take the time to explain why or how were not able to persue the debt I would like to know

Link to post
Share on other sites
mr.ton

mr.ton

Posted
Posted

if someone would kindly take the time to explain why or how were not able to persue the debt I would like to know

 

Coz there are such things in this country as anti harrassment laws & harrassment is exactly what you do, no matter how you dress it up.

If an individual demands that another individual or a company stops contacting them, then they must obey that instruction.

If they dont then that thats were we enter illegality territory & were the likes of the police/OFT/trading standards etc..step in ;)

Link to post
Share on other sites
Guest dwheeler

Guest dwheeler

Posted
Posted
Coz there are such things in this country as anti harrassment laws & harrassment is exactly what you do, no matter how you dress it up.

If an individual demands that another individual or a company stops contacting them, then they must obey that instruction.

If they dont then that thats were we enter illegality territory & were the likes of the police/OFT/trading standards etc..step in ;)

 

so are you saying then that every debt collection company who calls a customer and gets told not to call again and then calls back is breaking the law??

Link to post
Share on other sites
banker_rhymes_with

banker_rhymes_with

Posted
Posted

Hello Folks!

 

For what it is worth, I feel that every single Troll related Post on this Thread should be deleted from the point when the Troll first appeared (Post #65 onwards).

 

Leaving the Troll Posts in this Thread will simply achieve what Trolls always want, namely free publicity for the usual Debt Industry propaganda.

 

 

To summarise the Troll (in poo brown):

 

Barclays is not really going down the Toilet (despite how it looks, it's only half way around the U-Bend, so the Barclay's Richard could soon bob back up and re-appear in the great banking pan).

 

----> You must Pay what Barclays say you owe.

 

The Troll is really a nice person and only wants to help, loves single mums and their thieving kids (the Troll is always especially helpful if the single mum sounds nice on the phone).

 

----> You must Pay what Barclays say you owe.

 

The Troll claims the experiences reported on CAG are a small minority, in comparison with the millions and millions and millions of satisfied shafted Debtors that they deal with.

 

----> You must Pay what Barclays say you owe.

 

The Troll has infested this Thread without actually contributing anything useful, other than giving the Site Team a fresh batch of Guest IP Numbers to examine and link these to any future Troll CAG Registrations.

 

----> You must Pay what Barclays say you owe.

 

The Troll and all the gormless Hoodies at Mercers/Calder/Barclaycard are really nice, wholesome, fun, funky people to deal with, and are just there to bend over backwards to help (so long as you bend over forwards and grab your ankles to take what is coming).

 

----> You must Pay what Barclays say you owe.

 

Just in case you have still not got the Troll Message, here it is one more time...

 

----> You must Pay what Barclays say you owe.

 

 

I don't think CAG should be over-moderated, but I do think Troll infestations should be cut out and consigned to the toilet where they belong.

 

This Troll is like an erupting boil on the otherwise pure and unblemished CAG Arse. It's itchy, painful, smelly and will burst and leak all over the place if it is not lanced, flushed out with Peroxide, and has a great big CAG Moderating Elastoplast stuck over it so it does not offend the eye while it disappears from sight and memory.

 

Bin the lot from Post #65 onwards.

 

This is the 2nd major Troll infestation this Thread has suffered. There was another one just a few Posts before the above that also required Moderation and several Posts deleting. Same Troll?

 

My guess is the rubber-band flickers at Mercers are having some sport with this Thread, as it has the same name as the one on their Payslip.

 

I vote to delete all evidence of Troll infestation. Debt Industry Propaganda has no place on CAG. Leave it here, and people coming to CAG for the first time reading this Thread will think Trolls are part of the scenery. They may leave or, worse, will see the Pay What You Owe Troll message and will buckle instead of fighting back.

 

Cheers,

BRW

Link to post
Share on other sites
mr.ton

mr.ton

Posted
Posted
so are you saying then that every debt collection company who calls a customer and gets told not to call again and then calls back is breaking the law??

 

Yep...thats what anti harrassment laws are designed to do - protect people from harrassment funnily enough :rolleyes:

They can & should be reported to the police, i always encourage people on here to do that (not the 999 number i hasten to add) & from my experience, they act as well ;)

Link to post
Share on other sites
the_shadow

the_shadow

Posted
Posted
What's a B5, B4, B3? I only skim read - so maybe I missed the point, but you said you were a B3 in this post:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2090306.html

 

Have you been promoted/demoted?

 

[sigh] Proof beyond doubt that you just cant trust em! I refer to ODC's comment about promotion.......

 

he's no longer a B, he's a prize "C." :D:D

Link to post
Share on other sites
Guest dwheeler

Guest dwheeler

Posted
Posted
[sigh] Proof beyond doubt that you just cant trust em! I refer to ODC's comment about promotion.......

 

he's no longer a B, he's a prize "C." :D:D

 

Its says "we" meaning all mercers staff are grade B3 and above and when asked I told you I was grade B5 meaning we are the equilivant of Branch Managers and above

Link to post
Share on other sites
Guest dwheeler

Guest dwheeler

Posted
Posted
me thinks he is back under his bridge now:D

me also thinks he is a B and C and T.

in job discripton.is it not.:rolleyes:

 

SAM:pLOWELL DETESTER

 

 

I might be a B, C, T and whatever other initals you can come up with but at least all my bills are paid and I dont have to sit on a forum all day to pass the time.

 

bit of advise.. get a job, pay your debts and act like every other person in the UK - Normal

Link to post
Share on other sites
ODC

ODC

Posted
Posted
me thinks he is back under his bridge now:D

me also thinks he is a B and C and T.

in job discripton.is it not.:rolleyes:

 

SAM:pLOWELL DETESTER

 

 

I might be a B, C, T and whatever other initals you can come up with but at least all my bills are paid and I dont have to sit on a forum all day to pass the time.

 

bit of advise.. get a job, pay your debts and act like every other person in the UK - Normal

Dave obviously you have nothing better to do than behave like a TROLL and come on here and insult decent people. If I were you I would be spending my time thinking up an excuse for my team leader at Sharklycard as to why you are breaching the forum rules and your employment contract by posting on here. No-one is in the least bit interested in your sanctimonious ravings.

Link to post
Share on other sites
count orlok

count orlok

Posted
Posted

perhaps dwheeler can help me as he works for the company i am having a little trouble with. Despite me sending them a letter written by Payp[lan offering a pound a month, Barclaycard say they are unable to accept my offer of £1 per month unless it comes from a 3rd party such as Payplan or CCCS??????? Yet Payplan and CCCS are unable to deal directly with my creditors because I have no disposable income.

 

Just a bit confused :p

Link to post
Share on other sites
pt2537

pt2537

Posted
Posted

ok, its very very easy for companies to jump on the moral bandwagon, but turn it around, is there not a moral and legal obligation to make sure the law is followed, that a document, in the form prescribed by the 1974 act, is signed by the debtor?

 

i dont need to find ways to worm my clients out of their debt, the law give s me all the arguments i need, and sadly Dwheeler the House of Lords and Court of Appeal have agreed with this!!

Link to post
Share on other sites
sam614

sam614

Posted
Posted

dont need to get a job.got one on here helping the scared :p

mortgage is payed off,and i have enough in the bank to live till im 400 thanks.

 

spending all day on here bit rich coming from mr 33 posts per day:rolleyes:

SAM CAN PAY BUT WONT:DUNLESS ASKED NICELY.

WITH A PROPER CCA AND NOA AND NOT STATUTE BARRED OR TREBLED DUE TO PURE GREED.

Link to post
Share on other sites
CornishMaid

CornishMaid

Posted
Posted
Come to think of it Barclays head office might be interested to hear off one of us?

 

Already done today :)

 

Sent copies of DWheelers posts as evidence regarding why I am NOT willing to talk to Barclays representatives on the phone.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...