Mercers Debt Collections

smashedbooboo

What about the other cards. Do you still have those.

I think it would also be a good idea to talk to one of the debt charities as well. But in the meantime still send off the letter to Scotcall. They will more than likely send this back to Barclaycard and then you could arrange to pay it off in small amounts you can afford.

smashedbooboo

Send one to both is the best bet. Have you checked your credit report lately. I would do that as soon as possible. Equifax, experian, and call credit. Best to check them all and se what you have on those.

smashedbooboo

And you say you are in a mess. Why dont you post up your SOA and lets see if all the other lovely knowledgable peeps can help you get sorted. There is loads of good advice and you would not believe the messes some of the guys have managed to get out of. All with the help and support from each other. Time to lift your head out of the sand and get things sorted once and for. It really is not productive hun, and you will feel so much better once you start on the road to being debt free. xxxxxxxxxxxx

amy1981

smashedbooboo wrote: »

What about the other cards. Do you still have those.

I think it would also be a good idea to talk to one of the debt charities as well. But in the meantime still send off the letter to Scotcall. They will more than likely send this back to Barclaycard and then you could arrange to pay it off in small amounts you can afford.

No. I had a sort out and shredded most of my statements. I had kept them religiously for years but then thought it was a good idea to get rid. I'm not quite sure why I did this.

My Egg account is obviously on the internet but I got blocked out of this for entering my password incorrectly but I don't want to phone them because I'm over my credit limit.

amy1981

smashedbooboo wrote: »

Send one to both is the best bet. Have you checked your credit report lately. I would do that as soon as possible. Equifax, experian, and call credit. Best to check them all and se what you have on those.

No I haven't done this in years.

smashedbooboo

Ok, so you have charges on that as well, if you have an over credit limit you will. Right as i say post up your SOA with everything on it. Incoming and outgoings. I take you are not able to use the EGG card at the moment. And y other cards, store cards, credit cards etc. Now is the time to face it head on. Until then you will not be able to get sorted once and for all. I am sorry if i am sounding harsh but if we deal with one problem then we might as well deal with them all. You can still get all your statements even for closed accounts. I have to go to work soon but will be back later hun. So if you can work on that Soa that would be great. xxxxxxxxx

smashedbooboo

Ok, well you can check them online but it costs about 15.00 for each one to do that. The best thing to do is write asking for a credit report from each one and i think it costs 2.00 for each one. These will then come in the post to you. Do this as soon as. You will be able to see what defaults have been slapped on you. xxxxxxxxxxx

smashedbooboo

Honestly hun, you will feel sooooooooo much better when you start to feel that are taking control of things. And you should not be feeling frightened. Noone should. It took me a long time to dig my head out of the sand. But now i have been able to move on with my life. And enjoy it as well. xxxxxxxxxxxxx

amy1981

smashedbooboo wrote: »

Ok, so you have charges on that as well, if you have an over credit limit you will. Right as i say post up your SOA with everything on it. Incoming and outgoings. I take you are not able to use the EGG card at the moment. And y other cards, store cards, credit cards etc. Now is the time to face it head on. Until then you will not be able to get sorted once and for all. I am sorry if i am sounding harsh but if we deal with one problem then we might as well deal with them all. You can still get all your statements even for closed accounts. I have to go to work soon but will be back later hun. So if you can work on that Soa that would be great. xxxxxxxxx

You're not being harsh at all this is just the help I need I'm feeling a bit better from everyones support. I'm not able to use any of my five cards they are all over their credit limit and payments haven't been made. My current account is also over the overdraft limit they have been killing me with £25 charges have been £100 a month a few times.

I'll get to work on my SOA

smashedbooboo

Lovely. At the very least you never know we may get charges claimed back on all of them even if they are closed accounts. Be very very honest about your SOA. You will be surprised when you write it all down on where bits of money goes. Also it maybe worth having a look to see if you can claim back any PPI as well. I will look in later hun. Chin up now. This is the start of a new life and a new way of living. xxxxxxxxxxxxx