Mercers keep ringing me...what should I do?

[2Grumpy]

Rosemary

 

I think that you should start your own thread to get advice on this, especially of BC reduced your credit limit to below your current balance.

 

Go back to the list of threads, click on "Forum Tools" .. "Create new thread" then copy your posting into that (with a thread title)

 

They won't send a debt collector round, if they did, you just have to tell them to go away (as politely as you like:) ) and call the police if they don't.

[mazel01]

I have just checked on the Royal Mail website and Mercers have now received my recorded delivery CCA request, but they are still sending me letters demanding payment. When does the 12 day countdown start from?

[vandermerwe]

I think it's 12 working days - i.e no Saturday, Sunday, public holiday (days of official strike?).

 

Do observe Priority One's mantra - it makes sense.

 

Vandemerwe

[harrythehawk]

I have had problems with Banks & DCAs ringing before and usually well written letters and the tactics above do the trick. For the more stubborn ones I have resorted to building up support and investigation by writing to Ofcom, BT, my MP, OFT and the Police. It may not always go very far but makes them aware you ain't going to be pushed around, I have had positive responses and although I don't exactly think they will go to prison I am happy for complaints to be officially on file and that they know this, provides good ammunition and evidence for lots of things in the future. I know this seems mad but I was just in the mood to fight back after being threatened by a numpty in an Indian call centre ..... makes me feel better though !!

[mazel01]

Well as of today still no response to my CCA letter that I sent them only more phone calls. Not as many I have to say....well I will update my thread as soon as I hear.

[hiphil]

When I had this same problem with DCAs calling at all hours I changed my phone number.

 

If you are a BT customer, they will change your phone number free of charge.

 

After you change your number, if you ever contact the DCA by telephone, never - ever give them your new number.

 

They do not need your phone number (and cannot demand it by law) as long as they have a valid mailing address where they can contact you.

[harrythehawk]

After you change your number, if you ever contact the DCA by telephone, never - ever give them your new number.

 

Never ring them, put everything and get everything in writing

[vandermerwe]

Hi hiphil. Harry's right. Only ever deal in writing, keep a copy and used recorded (signed for) delivery whenever you can. It's a pain, but I reckon it's worth it.

 

Remember if you call any of these people they will surely have systems which will record your new number on their computer.

 

Regards.

 

Vandermerwe

[alfwithhair]

Remember if you call any of these people they will surely have systems which will record your new number on their computer.

 

 

I changed my number for free due to harrassment calls, but some how they got hold of the new one. So I don't know if they rang BT and got it of them. But complained to BT and they changed it again.

[vandermerwe]

Good morning Alf

 

Did you ask for your new number to be 'ex-directory'? If not, BT would give it out.

 

Have you called any division of Barclays Bank using your new number? If so

that will be how Mercers have got your number. They are a division of Barclays.

 

Remember we now have NO privacy left in this country. There is more "surveillance" here that in ANY country of the world (except possibly North Korea).

 

I pass GCHQ in Cheltenham to visit a close friend dying in the oncology ward of the hospital there. The parasitic building is always being extended and developed. Irrespective of who I have with me I make rude remarks about pricks (antennae) sticking out of the roof, and those inside. (Have a feeling coming on I'm going to be moderated!)

 

I have been told - and believe - each and every electronic communication - received or sent - passes through that ghastly place and is filtered through meshes of increasing fineness until certain categories are set aside for sending to a similar institution in the US of A.

 

No, Alf, I am not a nutter (check my other posts) but I resent what this country has become.

 

Also, Mrs. Van and I are looking to your neck of the woods to get away from the West Midlands - all we want is peace, tranquillity, friendly people, sea air, and cheap local food for Mrs. Van to cook in her own unbeatable style.

 

Good luck, Alf, if you want me to follow your thread give my scales a click on the grey blob at the bottom left between the funny thing on the left and the red triangle.

 

Good luck.

 

Vandermerwe

[cerberusalert]

If you are still receiving 'nuisance' calls get yourself a whistle & give them a long hard blast from it when they next call:D

 

It hurts 'em like hell......& best of all.....there's sweet 'FA' they can do about it! :D

[mazel01]

12 working days have now passed and I haven't received a response to my CCA request that was sent to Mercers. Please could someone tell me what happens next?

[pt2537]

Well its up to you really,

 

you can for sure stop paying them as they have defaulted on a legitimate request under the CCA 1974

 

i sent littlewoods a letter informing them that they had failed to comply with my request, i have posted a copy of the letter i sent on my thread, feel free to use it and modify it for your own means .here a link to my thread http://www.consumeractiongroup.co.uk/forum/general-debt/93571-pt2537s-cca-request-against.html

 

regards

paul

[mazel01]

Is it Mercers that is now in default or Barclaycard?

 

Should I send them (Barclaycard) a SAR?

[mazel01]

Also does this now mean that Mercers have to stop writing or ringing me and only Barclaycard can deal with me directly?

[pt2537]

Ok, as i understand your situation, Barclaycard passed or sold the debt to Mercers . you CCA'd mercers and they have not replied with in the 12 working days required by the CCA 1974

 

in my opinion its Mercers who are in default, i would tell them to go away when they phone you as previously advised and i wouldnt even talk to Barclaycard at this point until Mercers pass the account back to them

 

 

regards

 

paul

[pt2537]

Also, i wouldnt bother with a SAR at this stage, what would your reason be for sending them one?

[mazel01]

Thanks. What happens if/when Mercers pass the file back to Barclaycard?

[pt2537]

Tell them to S*D off too

 

 

nothing changes until you are provided with a copy of the Credit Agreement, the only difference is that you would be telling barclaycard where to go instead of mercers

[mazel01]

Thanks PT. What about my credit file, Barclaycard have recorded a default?

[pt2537]

Hmm thats a little more difficult, they probably will not remove it without a fight.

 

if you take a look at my thread you will see the aggravation im having with with Littlewoods with regards to the credit file.

 

i have presented an arguement to the Information comms office which im awaiting the outcome of so i dont know what to suggest until i get a result on my arguement against littlewoods continuing to add data to my credit file

[mazel01]

Also, i wouldnt bother with a S.A.R - (Subject Access Request) at this stage, what would your reason be for sending them one?

 

There have been loads of charges added to the account for late payment etc, this could be as much as they are trying to claim from me.

Thats why I wondered whether I should SAR Barclaycard now or wait and see what happens next?

[mazel01]

Any more advice please?

[pt2537]

Hi

 

sorry but ive been tied up this afternoon so i have not long got back in

 

 

right where were we.....

 

well, if there are charges that they have applied then by all means send them a SAR, but most importantly DO NOT sign the SAR or send them a cheque with your signature on it. the reason i say this is that if you supply them a copy of your signature i have heard some instances where the creditor has scanned the signature onto a credit agreement and tried to pass it off a legitimate. i would send them a postal order for the 10.00 and use the digital signatue in the sticky at the top of this forum

 

 

regards

paul

[mazel01]

Just received a telephone call from Mercers, I told them not to ring me as I am still waiting for a response to my letter(cca request). She said we need to talk to you, I said after you have complied with my request and then I put the phone down. Don't they realise that the 12 days have now passed and still no response from them!!!