How many different companies do Barclaycard use ?

DGJsaver

Hi All

Havin already receievd a letter from Mercers on Monday saying pay up etc etc to Bcard , if you cant , call them (Mercers) direct instead etc..

Now today my OH has opened up a letter from a `resolvecall` on behalf of Mercers

Anybody have any idea how many companies usually get in touch over a bcard debt :eek:

DGJsaver

Should have said , the letter today is threatining a doorstep visit , this doesnt bother me , but i dont want them turning up when i am at work and its my OH and baby at home...

Is there a template somewhere ?

DarkConvict

Mercers is the inhouse DCA of Barclay's, that is all i know.

You can tell them you want everything in writing, and that you do not wish to discuss the matter or make any appointment to see them in person at your property. They are required to make an appointment to see you, so if you tell them you dont want one, they should not turn up.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Debt collection visits
2.11 Those visiting debtors must not act in an unclear or threatening manner.
2.12 Examples of unfair practices are:
a. not making the purpose of any proposed visit clear, for example, merely
stating that collectors or field agents will call is not sufficient
b. visiting a debtor when it is known they are vulnerable, for example, when
a doctor's certificate has been provided stating that the debtor is ill
c. continuing with a visit when it becomes apparent that the debtor is
distressed or otherwise vulnerable, for example, it becomes apparent that
the debtor has mental health problems
d. entering a property uninvited
e. not leaving a property when asked to
f. visiting or threatening to visit debtors without prior agreement when the
debt is deadlocked or disputed1
g. not giving adequate notice of the time and date of a visit2
h visiting debtors, unless requested, at inappropriate locations such as work
or hospital.

DGJsaver

Yeah , i knew that Mercers are representing barclaycard , i just wonder why , 3 days f*cking later , they need to send a ltter from ANOTHER company ,now representing Mercers , seems to be a bit of !!!!take to me...!

Numpty_Monkey

Theres a template letter about threatening doorsteep visit
http://forums.moneysavingexpert.com/showpost.html?p=26867957&postcount=15

fermi

DGJsaver wrote: »

i just wonder why , 3 days f*cking later , they need to send a ltter from ANOTHER company ,now representing Mercers , seems to be a bit of !!!!take to me...!

It is.

The job of Mercers is to put as much pressure on you as they possibly can.

They really don't give a "monkeys" about what you can really afford.

You don't expect banks to "play fair" do you?

DGJsaver

No of course i dont , my other half is naieve enough to though...hence my anger...

fermi

DGJsaver wrote: »

No of course i dont , my other half is naieve enough to though...hence my anger...

I agree. The way they treat people who have got into trouble is disgraceful.

DGJsaver

what hurts most is the debts we are in trouble with are in her name , but are our debts , horible situation , but we have enough to live on , and care for our kids and thats all you need ! (i tell her)