Cca

joeandy

I Have Been Reading About A Cca On Here For A While. I Have A Balance Of 4000 On A Credit Card With Barclaycard Which Has Been Passed On To Mercers. Could Somebody Please Explain What I Need To Do In Regards To Doing A Cca. Thank You In Advance. (p.s Sorry If This Has Already Been Answered A Million Times )

Leixlip1

Mercers are Barclaycard.
You need to look through the thread "lets all ask for our cca".

ebsay2000

Yes Mercers are indeed Barclay Cards inhouse debt collecters!

Last year i received 2 cards from Mercers saying they would be calling...........but thankfully they didnt!

Eventually they wrote to me saying they wouldnt be sending out anymore statements.......and they would carry on charging me interest!

in return ive continued sending them 2 x £1 each month,,,,,,,,,,, which they presumably are accepting as they havnt sent it back!

Ive not heard a word from them all this year...........but im not complaining!

They never 'got' me via the phone as i'm ex directory and my mobile number was an old one!

Also unlike sum of my other debts........barclaycard havnt sold me on, or involved 'out of house' debt collection agencies.

joeandy

would you suggest i do the same. for example just keep sending what i can afford or do the cca thing thanx

ebsay2000

Yes just make token payments if thats all you can afford.

That way it shows you are willing, and not totally ignoring the problem.

sporty1

ebsay2000 wrote: »

Yes just make token payments if thats all you can afford.

That way it shows you are willing, and not totally ignoring the problem.

i have been doing this for past 7mths on advise and guidance from CCCS, but still they charge £12 per month late fee?, and are not happy so they are now sent a company called POWER2CONTACT to send me a letter saying if i dont ring MERCERS in 72hrs they ill be visiting me?
What else can i do i have gone down the correct procedue advised by CCCS but they are having non of it even though i am sending regular token payments.
they obviously dont care about people going through genuine hard times who are trying to make an effort to pay there dbts, its not as if we are ignoring them!

sporty1

joeandy wrote: »

I Have Been Reading About A Cca On Here For A While. I Have A Balance Of 4000 On A Credit Card With Barclaycard Which Has Been Passed On To Mercers. Could Somebody Please Explain What I Need To Do In Regards To Doing A Cca. Thank You In Advance. (p.s Sorry If This Has Already Been Answered A Million Times )

Sorry i am just being honest hopefully they wont charge you!

i have been doing this for past 7mths on advise and guidance from CCCS, but still they charge £12 per month late fee?, and are not happy so they are now sent a company called POWER2CONTACT to send me a letter saying if i dont ring MERCERS in 72hrs they ill be visiting me?
What else can i do i have gone down the correct procedue advised by CCCS but they are having non of it even though i am sending regular token payments.
they obviously dont care about people going through genuine hard times who are trying to make an effort to pay there dbts, its not as if we are ignoring them!

GeorgeUK

Sporty - If they are still charging you, claim back the charges. If they send someone to your house, send them away. Doorstep collectors have no more legal rights than the paperboy. They cannot enter your home unless you invite them in and if you ask them to go away, they are trespassing if they don't.

Don't ring the company - you don't want them getting your phone number. Write to them making an offer of payment and possibly enclose a breakdown of your finances. CCCS should be able to advise you on the next step - not sure if they will try to deal with Mercers themselves.

sporty1

GeorgeUK wrote: »

Sporty - If they are still charging you, claim back the charges. If they send someone to your house, send them away. Doorstep collectors have no more legal rights than the paperboy. They cannot enter your home unless you invite them in and if you ask them to go away, they are trespassing if they don't.

Don't ring the company - you don't want them getting your phone number. Write to them making an offer of payment and possibly enclose a breakdown of your finances. CCCS should be able to advise you on the next step - not sure if they will try to deal with Mercers themselves.

hi yes i have sent them the cccs financial statment etc, and continued sending them the monthly payment advised by CCCS, but they are still doing all this they dont want o know or listen just pestering, i dont know what they expect me to do, alls they are doing is putting my debt higher, i rang CCCS, WITH MY CASE Number i have with them, they said just keep sending the payment as i am doing .regarding the £12 fee each month they said they can do it.
thanks,

GeorgeUK

I can go into a bank and take away all their money.
Doesn't mean it's legal/lawful.
Have a read of this link. The OFT took the banks to court and won on the question of charges - the banks are appealing. They are allowed to charge you but not allowed to make a profit from those charges. It doesn't cost £12 to send a letter.
http://www.moneysavingexpert.com/reclaim/oft-bank-charges

Now that the debt is with Mercers, are they still charging you and adding interest? If so, have they bought the debt or are they acting on behalf of the bank?

sporty1

GeorgeUK wrote: »

I can go into a bank and take away all their money.
Doesn't mean it's legal/lawful.
Have a read of this link. The OFT took the banks to court and won on the question of charges - the banks are appealing. They are allowed to charge you but not allowed to make a profit from those charges. It doesn't cost £12 to send a letter.
http://www.moneysavingexpert.com/reclaim/oft-bank-charges

Now that the debt is with Mercers, are they still charging you and adding interest? If so, have they bought the debt or are they acting on behalf of the bank?

they are acting on behalf of barclycard as far as i know as they are there in house debt collection agency, basically its still barclycard but through mercers, yes they still send a statment each month (barclycard( with a charge of £12 each time,
thanks for your advuce so far;)