Mercers (barclaycard collectors)

DanielD2008

I had a couple of letters saying that unless i contacted them immedietly I would have the collectors at my door.
I was dreading the call but got the courage to phone them.I didnt need to worry at all.The woman on the phone was so nice and said that I should claim on my PPI but failing that,give them a wee call back and they'll put me on a repayment plan.

I know this doesnt really help anyone but I thought it was best to post incase anyone else is in the same position but dont make that call,putting them in worse finicial trouble.

Deep_In_Debt

Hi
Well that makes a change! Barclayshark/Mercers were the bain of my life and sent a doorstep collector despite my repeated attempts to call them and trying to make an arrangement with them. They even refused my dmp!

I hate them with a passion!

Sorry, I had a nasty experience with them but at least it shows they can be human - just not all the time!

Sorry for the rant.

stapeley

Thats great until you find out they will not payout on the PPI.

debtman2007

Mercers were the first DCA i encountered over the phone. Put the fear of god into me. They phoned me at 9.30pm on a Friday threatened me with door step collectors. I then posted on here and found out they are in-house collections for Barclaycard, also the door step collector have no authority whatsoever (what a [EMAIL="!!!!"]!!!![/EMAIL] job that must be).

Anyway CCCS set up my DMP and the account was passed back to Barclaycard and *touches wood* haven't heard a peep since.

nellysmellybelly_2

Can anyone out there help me please.

I am self employed and only have a very small income. I owe 16k on credit cards. I have recently agreed a full and final with Alliance and leicester for 57% of the outstanding debt, which i was over the moon with.
My problem now is flaming barclaycard. I owe them about 5k. They have refused any full and final and say they will not freeze interest even if i pay a monthly payment of £52. I am dealing with Mercers who reckon they are a debt collection company, however on closer inspection it seems that it is still Barclaycard I am dealing with. Today they called me and told me that i have 7 days to come up with a DMP.
My plan is to wait until they refer my account to a 'proper' debt collection agency and hope that they will accept a f&f, i dont care what they do to my credit file and understand that they cannot just come to my home and empty it?
Am i doing the right thing???