Mercers Debt Collections

smashedbooboo

Dont forget to put down all your debts. And the credit limit on each card and the final amount owing on them and interest rates as well. xxxxxxxxxxx

hattiefats

You are doing the right thing Amy. I can definitely tell you that facing up to things is a huge relief and telling your parents is the right thing to do. They might be annoyed initially but you are in a good position living at home to sort everything out. Good luck and let us know how it goes.

Deep_In_Debt

Sorry, just got back and carried on reading this thread.

I think Barclaycard/Mercers use Scotcall as I believe Scotcall are a company who are basically doorstep debt collectors. The meat head that came to see me was from Scotcall and said he was not employed by Mercers - just collects the money for them (well, not from me he didn't!). I would send the letter to both.

As others have said, you are doing the right thing by posting on here. Most of us have been there with head in the sand - I certainly have and my debts spiralled out of control, so it's best for you to start dealing with this before it gets any worse. You will probably find your parents will be supportive - mine were upset and angry initially but now they offer me support. They did want to pay my debts for me but I refused as it wouldn't teach me a lesson which is what I needed but they are supportive in other ways.

Have you got any friends you can confide in? I did and that helped although my friends don't understand about debt, they are there at the end of the phone if I need them or just there if I want a rant.

You're in the right place for support and help.

amy1981

The problem is my parent's finances aren't the best either and they are really stressed with it all. My Mum confides in me their problems and I find it all very stressful and almost too much to deal with when I am barely coping with my problems. I don't really have anyone else to confide in and I think this is the problem I bottle everything up and then explode like I did last night / this morning.

I just can't believe the level of support that people on here provide it is truly amazing.

Deep_In_Debt wrote: »

Sorry, just got back and carried on reading this thread.

I think Barclaycard/Mercers use Scotcall as I believe Scotcall are a company who are basically doorstep debt collectors. The meat head that came to see me was from Scotcall and said he was not employed by Mercers - just collects the money for them (well, not from me he didn't!). I would send the letter to both.

As others have said, you are doing the right thing by posting on here. Most of us have been there with head in the sand - I certainly have and my debts spiralled out of control, so it's best for you to start dealing with this before it gets any worse. You will probably find your parents will be supportive - mine were upset and angry initially but now they offer me support. They did want to pay my debts for me but I refused as it wouldn't teach me a lesson which is what I needed but they are supportive in other ways.

Have you got any friends you can confide in? I did and that helped although my friends don't understand about debt, they are there at the end of the phone if I need them or just there if I want a rant.

You're in the right place for support and help.

Deep_In_Debt

Many of us have been through what you are going through so we do understand.

You can look to us and this forum as being your friends and people you can confide in - we're here to help.

piglet39

Hiya sweetie

I am so so glad that you have been posting and you have done so much today (hope this doesn't sound patronising; it's from the heart) .

Keep posting. I'm sure you have probably read through a few posts and know that the peeps on these forums are rock solid.

Please keep in contact. You WILL get through this!

Piglet

averageguy11

fair number of posts since i looked this morning amy...u seem to b a little btr

as sed b4.......do soa talk with parents...contact a debt counsellor and get some help....u will b ok

smashedbooboo

Hi Amy, back at home now, how you feeling babe. Hope you are feeling more positive about things. I will pop in tomorrow and see what else we can do. Try and sleep tonight hun. And dont be fretting about things. Does you no good at all. Take care hun. The only way is up now xxxxxxxxxxx

piglet39

Morning sweetie

Hope you had a better nights sleep

Pigletx

amy1981

I slept a good bit better last night and feel more refreshed this morning. I feel so sick though which I think is down to the worry of my parents coming home. I know it is all going to end in an argument and I hate confrontation of any sort.