Some advice please - debt collection

AGibson

Hi, ive sent them the letter in my previous post to them on the 18th of march, and it shows as being received and signed for on he 19th

today i have received a letter from Mercers saying

48 hours notice

despite all of our previous communications you have ignored our demands for payments to your long overdue account

we will now pass your account to a debt collection firm in your area and a local representative may call at your address

phone now or you have 48 hours to stop further action

..does that mean from barclaycard they passed it to mercers who are now going to pass it to another firm?

i have been making the reduced payments i can pay each month and responded to the letters they sent, sending them financial statements and payplans letter and the above regarding a doorstep collector, im just wondering what else i should do or should i just ignore this letter

thank you for your help

AGibson

anyone

i'll ring paypal tomorrow too and see what they advise

thanks

Dr.Shoe_2

Paypal!? Don't go anywhere near those robbing barstewards!!! I'm hoping you mean payplan? lol

BlueIsTheColour

The letter you mention is all bluster from them, I have had the same thing about 4 months ago, nothing happened, its computer generated to scare you. They are exactly the same with me, refusing to accept anything less than 1% of the balance unless you go through CCCS, this apparently wheedles out the people who are blagging, some kindly scouse fella told me!!! Whatever!!

Anyway, I complained to FO, and have just today had my response to an appeal to say that they would accept my token payment of £1 for 6 months and suspend interest, but cynical me, thinks this is because they havent supplied my correct CCA in 7 months and I stopped paying about 3 months ago.......

Deep_In_Debt

I was paying B/C and then Mercers via my CCCS dmp and they did send a doorstep collector. However, since the idiot's visit and me sending him on his way, they've accepted my dmp and that was June last last year. Not heard a peep from them since.

AGibson

Dr.Shoe wrote: »

Paypal!? Don't go anywhere near those robbing barstewards!!! I'm hoping you mean payplan? lol

ops! I meant payplan

AGibson

BlueIsTheColour wrote: »

The letter you mention is all bluster from them, I have had the same thing about 4 months ago, nothing happened, its computer generated to scare you. They are exactly the same with me, refusing to accept anything less than 1% of the balance unless you go through CCCS, this apparently wheedles out the people who are blagging, some kindly scouse fella told me!!! Whatever!!

Anyway, I complained to FO, and have just today had my response to an appeal to say that they would accept my token payment of £1 for 6 months and suspend interest, but cynical me, thinks this is because they havent supplied my correct CCA in 7 months and I stopped paying about 3 months ago.......

thanks, so its just nonsense I can ignore then? do Mercers/Barclaycard usually pass the debt on to another external debt collector, I would have thought not because they would have to sell the debt on for a lesser amount?

Deep_In_Debt wrote: »

I was paying B/C and then Mercers via my CCCS dmp and they did send a doorstep collector. However, since the idiot's visit and me sending him on his way, they've accepted my dmp and that was June last last year. Not heard a peep from them since.

that's interesting to hear, so even with a debt management plan through CCCS they still arranged a doorstep collector to visit?

another thing, when you say paying Barclaycard then mercers, did you change who you paid, like different details etc.. because im dealing with mercers but stilling paying Barclaycard using the original paying details (sort code and account number and card number)

thanks

BlueIsTheColour

Well I ignored and am still hear to tell the tale! Although I think they sent someone round at one point, I just told him to bog off, but that was before the above letter! Idiots!

I carried on paying BCard the whole despite letters from many different companies, all the same one really, must think we are stupid! Although havent paid them since they went into default from my CCA request and my complaint to the FO!!