Barclaycard

[tiglet]

Shane, I think our postmaster is pleasantly surprised as I'm sure we are the only people in our village who don't have six toes! It must make a nice change for him to be able to have a proper conversation occasionally

 

I have visions of Mercers sending around one of their so called local collectors asking the neighbours about us and all they'd get is blank looks and they'd probably think they were in the same place as that "Deliverence" film! I kid you not, we are thinking of taking banjo lessons so we might fit in with the locals

 

Your village isn't called Royston Vaysey by any chance is it?

[Duffers Mum]

Tiglet, noooo, I can't say what its called for fear of repercussions by the locals (if they can read that is!) but its in the west country and is well known in the neighbouring areas as having lots of "in bred" folk with extra digits

 

However, despite that, we love living here, and after 18 months one or two have even managed to speak to us. My husband is in the habit though of saying, oh he/she has got six toes whenever we drive through the village and spot some of the locals!

[tiglet]

You should live where I live - all of the locals have similar features - I'm not kidding!

 

We also live near the Isle of Sheppey (Island of Sheep) - you can draw your own conclusions from that.

[shane5408]

Tiglet, noooo, I can't say what its called for fear of repercussions by the locals (if they can read that is!) but its in the west country and is well known in the neighbouring areas as having lots of "in bred" folk with extra digits

 

However, despite that, we love living here, and after 18 months one or two have even managed to speak to us. My husband is in the habit though of saying, oh he/she has got six toes whenever we drive through the village and spot some of the locals!

you've got me interested now DM! I'm thinking Dorset, Devon perhaps?

 

Went to school in dorset, nice little town called Sherborne!

 

regards,

shane

[Duffers Mum]

Ah yes, tis village life for you! Never a dull moment. Am hopeful that said nice friendly debt collector man will be put off from visiting....not! I'm looking forward to him arriving, but not as much as the dog is he's partial to strangers, especially shifty looking characters. I bought chocolate biscuits in anticipation of said visit, but unfortunately we have demolished the whole packet this evening, so he will have to make do with bread and dripping

[tiglet]

Yeah - what kind of dripping?

 

If he does come, I double dare you to ask "Are you local?".

[Duffers Mum]

Lol Shane, no its in Somerset, we have just as bad accents though as those further down in Dorset and Devon now i'm off to find that banjo

[tiglet]

Be aware when the circus comes to town ...

[Duffers Mum]

I have received yet another letter from B/C today, stating that "on closer examination the copy agreement document sent to you in our letter of ?? I can confirm that it is not the document that should have been forwarded and for this I apologise for the error on this occasion, I now enclose a copy of the original document sent to you when your account was originally opened...blah blah blah". I thought they had forwarded me the actual agreement, but no, its set of terms and conditions number 6! which admittedly are different from the other 5 sets in that they've got a cancellation from for me to complete and return if I wish to cancel this agreement. However once again they are on a separate sheet of paper.

 

As they have admitted a cock up they have credit my account with £300 which represents interest, late payments and over the credit limit charges for the months of Sept-Nov 07 which will show on my next statement, they have also amended my credit files.

 

They thank me for bringing the matter to their attention. Must admit its very good of me to do their job for them seeing as they and their DCA muppets are harrassing me at the same time! (the latest blue envelope and card from Mercers was dated the same date as this letter).

 

There is also no date on these T&C's it is conveniently obscured somewhat.

 

So does that change anything, an application form which clearly states its an application and 6 sets of T&C's which don't show a credit limit merely a clause stating from time to time we will work out your credit limit and tell you what it is.

 

I am definately going to write back to them to state its all very well apologising but why were muppets Mercers instructed to chase when they hadn't even got their paperwork in order, I need to know whether I advise them they have still not complied.

 

Any advice on this latest development?

[shane5408]

Hi DM,

 

on the latest set of T&C's they've sent does it list the penalty charges as £20 or £12? If the latter you will know they were genrated after the OFT's report on charges in 2006

 

kind regards,

shane

[The GodMother]

Good point Shane which from what i can tell is after DM opened the account.

[Duffers Mum]

The latest set show £15 which I think is right for the time the account was opened (from reading on other's threads), although saying that one of the other sets they sent has the charges as being £15 as well. Its all very confusing. They copy they have sent says Barclaycard Terms & Conditions, regulated by the CCA 1974, "This is a copy of your agreement for your to keep. It includes a notice about cancellation rights which you should read" So any idea where I stand now? Am pleased about the refund of charges and interest though I must admit! Must also remember that I'm not looking for a way out of paying this debt, just need some time to sort myself out, I just wish Barclaycard could understand that!

[Duffers Mum]

Anybody got any idea how I can respond to them?

[The GodMother]

ok here goes,

 

Hello you bunch of idiots,

 

Acc no XXXXXXXXXX

 

Go fourth and multiply over me paying the account.

 

Yours duffers mum

[The GodMother]

will that do?

[tiglet]

It's certainly succinct.

[The GodMother]

blunt and straight to the point i think

[Duffers Mum]

I would love to send that, however I think I might need something with a little more information!

[tiglet]

I have a further reply, but think i might get put on moderation if I post it.

[The GodMother]

its that good then is it tiglet maybe you could send it to DM via email.

 

Would love to see what the letter says

[reduk054]

Hi DM,

I think that you should send BC a letter thanking them for their correspondence but stating that you do not feel that they have fully answered your points and complaints. Put complaint at the top of your letter. Give them 14 days to reply to your queries, or failing that to send you their final response so that you can then contact the FOS.

Red

[The GodMother]

good idea red.

[reduk054]

Thanks TGM, the reason that I have put 14 days is that this has been going on for ages, and although the FOS normally would prefer a period of 8 weeks, I think that with all of your correspondence DM, it would be the next move.

What would be your most favourable out come DM? Once you have decided what the best out come for you would be, then you can use this as your bench mark when contacting FOS!!

Red

[The GodMother]

I would advise 14 days aswell as this has been going on for months and they have noting.

 

|DM make sure you can get the max out of them which i feel is

 

# The debt cancelled and no further action to be taken against you

# the debt put to zero

# a full grovelling apology.

 

Just my idea

 

Chrissi

[reduk054]

TGM, that is a good idea, to actually spell out in no uncertain terms what you are expecting from BC. Its good to aim high, as at worst they can only say no, and then you can still go to the FOS!

Good luck DM, lets get this one done and dusted! BC have mucked you about for so long and are still dragging their heels. One credit does not make amends (IMO!)

Red