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    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
    • Hi, Please find letter sent to BMW with all evidence off issues which is a link from Audi. Unable to share the footage on this forum as I am not the best with tech BMW FAULTY CAR LETTER.docx
    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but cannot be sure. And without having an account I can't check either. But, I know that I did properly declare the item and a value that reflected its then retail price - I was concerned this declaration may have been used to single the item for theft. But now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through your huge document store of information, in addition to MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
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      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.

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    • 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.

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      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
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MERCERS and 2 faulty BC DNs **WON**


Delfi101
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What is the debt for ? is there a chance you can CCA them ? might buy you some time and put the acccount in dispute ? Also, official harassment letter is good although afterwards keep logging the calls there are several great threads and a sticky on dealing with harassment, another tip, when sending stuff recorded/registered mark the envelope clearly "Payment Enclosed", that way there is more chance of them signing for it, obviously it isn't necessary to actually enclose a payment

Do you think that they don't actually sign for recorded delivery? Are they allowed to do that?

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Companies seem to do what they like when it comes to mail. It would appear that the royal mail doesn't care either, as practices such as bulk signing, postmen signing and no signatures at all are rumoured to be commonplace :mad:

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Sorry to be so thick, but what do you mean by CCAing them? I've just sent a letter asking for a copy of the agreement (is that the same thing) and what does that actually achieve? Do I actually not want them to send it? I'm not even at the dispute stage because they won't reply to any of my letters - so do I just hang on, in the meantime sending my offer of £1 per month using tear off slip of the Barclaycard statement. I'm not very good at understanding forums, so perhaps there is a link somewhere that can explain the procedure? They won't take my house away from me will they?

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Mercers are B/Card in house debt collection agency....they would like you to think they aren't,but they sit at desks next to the usual B/Card androids who phone you up

 

you won't lose your house,no......

 

they will either not send you your CCA,or if they do,it will be unenforceable due to missing prescribed terms

 

if they do either of the above,you don't need to send them anything,as the "debt" has become unenforceable

 

they've been trying to nail me since February,but nothing will stick because they have not sent the 2 agreements requested.....

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And who are Mercers?

 

Please see post #1 of nearly 600 over many pages. This whole thing starts with Mercers.

 

Revisiting who they are and what they do does not help at this point in this thread.

 

So I'll ask again ... please take this stuff to separate threads (you have one of your own now and people will help) and don't post about basics here. All you're doing is confusing an already overly long thread.

 

Ta

 

D

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  • 3 weeks later...

ok then what do u know paul:(

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Just bumping this thread up in anticipation from D providing us with a good update:D

 

ok then what do u know paul:(

 

 

Paul, Godmother, I think you are waiting in the wrong thread.. Delfi has updated here :D

 

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/153207-delfi101-optima-mercers-barclays.html#post1673397

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes i know that but i was going on guess work here.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Ooops, sorry PT and GM. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

I love this thread. I've a long-standing issue with Barclaycard and Mercers that's a carbon-copy of this. I can't get Mercers to commit anything in writing, and they're yet to reply to 4 letters dating back to July of this year. Unlike many on here, I answer the phone every time they call, and ask them where my replies are. They hate having demands thrown at them as soon as I answer the phone.

 

Today, I heard from a bunch called 'Power2Contact', who's letter boasts they have been contracted by Mercers to find me as they are 'a specialist customer contact company with many years experience in contacting hard to locate parties, to act on its behalf in relation to accounts such as yours where it has lost contact with cardholders’.

 

!?!?

 

Given their boast, I wrote back asking them if they could use their powers to find the elusive creature of someone at Mercers who'll actually write back to me. I don't expect a response. :D

 

I also took the opportunity to skin them alive with all the tricks I've learned on here.

 

Subscribing for the next installment.

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OUCH that sounds painful.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Today, I heard from a bunch called 'Power2Contact', who's letter boasts they have been contracted by Mercers to find me as they are 'a specialist customer contact company with many years experience in contacting hard to locate parties, to act on its behalf in relation to accounts such as yours where it has lost contact with cardholders’.

 

!?!?

 

 

 

 

Hi,

 

 

I've had the pleasure of a letter from those idiots in similar circumstances.

 

They were, however, very easy to get rid of!!!:)

 

 

Jeff.

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Not very good on forums and think I've posted this before - but I wrote to the Chairman of Barclays asking him in desperation to please find someone to reply to my letters. Stone the crows - we got a letter from a very senior person, not based in Northampton, another part of the country, saying he'd been asked by the Chairman to investigate. Had a decent conversation with him and when we explained our circumstances said "I don't see any mileage in pursuing something that isn't there." He's asked us to phone him with the budget sheet prepared by the CCCS and we have to phone him next week with the bad news that there isn't a lot there. I keep wondering about his comment, no mileage etc., and keep dreaming that when we phone he's going to wipe the slate clean. I know it's a dream, but it was a rather interesting statement by him. Thank goodness I wrote to the Chairman (have a habit of that when I'm dis-satisfied with something and always, always get satisfaction). At least we got someone to actually read our letters and have some sort of dialogue with a senior person.

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Hi all, I'm really sorry for all of you who are suffering at the hands of Mercers. I had a Monument card debt and they harassed me constantly phone calls galore. It got so bad I felt like crying every time the phone rang. Luckily a kind family member helped me pay the debt off. Mercers are nothing but a bunch of **** Barclaycard should be ashamed for causing so much misery.

 

I know we get ourselves into debt but unfortunately we can't always help changes in circumstances and if it's a choice between paying a credit card or feeding your Children well the Children naturally come first.

 

Life is getting tough for families, well just about anybody in the UK with all the costs of living going up, These ruthless companies need to be more understanding and stop the mental torture they put people through causing stress and depression . The Government needs to step in and do more to prevent this from ever happening and make these companies act more reasonably and show some compassion towards customers who are struggling.

 

 

Good luck all :)

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did i just see a pig fly over. No must have been a good idea that the goverment will ignore.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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