Mercers Debt Collections

smashedbooboo

1 High Street,
Newtown,
Kent
R21 4RH


June 28, 2006


The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other
__________________


Night Owl Member

smashedbooboo

Send this letter to them, enclosing a postal order for 1.00
Do not sign the bottom of the letter. Only print your name. They have been known to forge signatures on forms. And my advise is DONT ring them. Only deal with them in writing. Otherwise its your word against theirs. Keep a file on this. And keep copies of everything you send end receive. Also send the request by registered post and keep receipts. Also put on the top of the letter I do not acknowledge this debt to you or anyone you be acting for.

Good luck chick and please dont fret.You have come to the right place

Boo xxxxxxxxxxxx

Deep_In_Debt

Hi
You'll need to send the above letter by recorded delivery.

smashedbooboo

Do you still ahve all your statements hun, if so go through them with a highlighter pen and mark all the charges on them. And then claim these back. Do it with other cards as well. I did this with all mine. And i they ended up owing me money which i got in time for christmas last yr. If this has gone has far as the DCA then my inclination is you will have incurred charges along the way. Its worth having a look. xxxxxxxxxxxxx

amy1981

I don't think I have all my statements I'm very much a bury my head in the sand type of person and put all my statements hidden away in various drawers. I'll spend this afternoon looking through for them all. My problems have probably been going for the last 8 months or so what with late charges and being over my credit limit. I thought if I tried to claim these charges back then they would try and close my account and I am simply not able to pay this back.

amy1981

Who do I send this letter to then Barclaycard or Scotcall who are working on behalf of Mercers Debt Collections?

smashedbooboo wrote: »

1 High Street,
Newtown,
Kent
R21 4RH


June 28, 2006


The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other
__________________


Night Owl Member

smashedbooboo

Scotcall hun, What is your default balance hun, PM me if you wish. What was the limit on the account and what is the final balnce they are asking for. Dont worry at this stage if they close your account. Lets see if we can reduce the owed amount. Then you can make an offer of payment that you can afford. Now that the debt has been passed to scottcall then the account is closes anyway as such and they are sking for the full amount. But you need not pay more than you owe. If you dont have all your statements then you can ask for them. It will cost you 10.00 for all of them and they have 40 days in which to supply them, Once you hace asked for your cca this will put the account into dispute and will give you time sort things out. As i said dont be fretting. This can be sorted chick xxxxxxxxxxxx

smashedbooboo

Scotcall are just another DCA. As are Mercers. I must say it is paramount you dont talk to them on the phone. They will try and bully you into paying. In writing only from now on in. xxxxxxxxxxxxxx

amy1981

smashedbooboo wrote: »

Scotcall hun, What is your default balance hun, PM me if you wish. What was the limit on the account and what is the final balnce they are asking for. Dont worry at this stage if they close your account. Lets see if we can reduce the owed amount. Then you can make an offer of payment that you can afford. Now that the debt has been passed to scottcall then the account is closes anyway as such and they are sking for the full amount. But you need not pay more than you owe. If you dont have all your statements then you can ask for them. It will cost you 10.00 for all of them and they have 40 days in which to supply them, Once you hace asked for your cca this will put the account into dispute and will give you time sort things out. As i said dont be fretting. This can be sorted chick xxxxxxxxxxxx

My total balance is £2498.76 and the arrears is £298.76.

Just after a quick look I have found 5 statements from this year with late charges and over credit limit charges of £108. I'm not sure that there would be many more charges before this time.

I have also found a default notice that I hadn't opened from Mercers with action needed to be taken by today.

amy1981

smashedbooboo wrote: »

Scotcall are just another DCA. As are Mercers. I must say it is paramount you dont talk to them on the phone. They will try and bully you into paying. In writing only from now on in. xxxxxxxxxxxxxx

Who am I dealing with then? I got a letter from Scotcall dated 13/08 and a default notice from Mercers dated 07/08.