Debt Collectors ! Issue a warning..

cmjohnson_86

Just got home from my break at work to find I have recieved a Debt collection letter from Mercers, Sayin that my Barclaycard is over its agreed credit limit and that I need to make a payment of £144.27 by 27th December or further action will be taken,

I have spoken to Barclaycard and told them my situation. As it is Christmas and nye is arriving, I cant really afford to make this payment until January and dont really want to be taken to court or anything like that. So what can I do?

I have heard people talking about letter which can be sent to companies you owe money to explaining the situation, what sort of information would I need to put in this letter? Has anyone got an example I could take a ganders at?

Thanks in advance ...


Carl

*** Also what exactly is the National Debtline and what can they do to help me, Have said before im 19 and im not really up to key with all this as I have never been in debt before.? ***

Harassed_2

The only action they'll take is to slap an over limit charge on you. Ignore it, Mercers are PART of Barclaycard.

keith_lard

Sound's a load of balls!

Offer a payment say £5 for December then pay what they are asking for in January!

When you have no more Debt with them give them the f!ng£r. :beer:

Barclaycard are 'Stoneage' with customer relations, they still think there are top dog with the 80's Alan Wicker Ad's. :snow_laug

Better going elsewhere! :j


K.

cmjohnson_86

Lol. Thanks, Will do that. Feel a little better now Thankyou.

YorkshireBoy

cmjohnson_86 wrote:

...what exactly is the National Debtline and what can they do to help me...

Click the "National Debtline" link in the blue box above your first post.

tigtig

Hi

I had the same letter about 3 weeks ago asking me for £204, i rang up Mercers and told them i could not pay the full amount and would like to come up with some payment plan. At first they said i had to pay the full amount, i told them there was no way in the world that was going to happen and that i was only prepared to pay them £30 a month. I explained to them it was that or nothing. They agreed

Be strong with them, don’t let them make you feel like a criminal.

cmjohnson_86

Thanks, Ill ring them up now. Will let you know how I got on.

They gave me until 12th January to make payments, which is fine. Will collect a bit of money over the next few weeks from work so works out better.

Karma67

Good luck *fingers crossed*