Barclaycard/Mercer

[Miss Molly]

Why are Default Notices, issued by Mercers on behalf of BarclarCard deemed invalid ??

B/card - Master Card
Issue Date - 25/01/2008
Remedy Date - Before 11th February
Balance - £10,232.45
Amount due - £646.00

[Undercover Elsa]

Re: Barclaycard/Mercer

Morning Miss Molly

No paragraph re OFT Guidance leaflet

Presumably one wasn't enclosed either?

Shep x

[Never-In-Doubt]

Re: Barclaycard/Mercer

No OFT paragraph plus remedy date would be 15th not 11th

That's a quick glance.

Issued on a friday so technically received what, the Monday?

[SXGuy]

Re: Barclaycard/Mercer

this is great info, mother received one for barclaycard as well, had a prior arrangement to pay less than min payment, so i guess it was sent as a matter of course.

wrote to them confirming this and said if i get no reply ill assume the arrangement still stands. Still havent had a reply.

I think im gonna have a look at the default they sent just incase its invalid, so i can use it later should i need to.

[Never-In-Doubt]

Re: Barclaycard/Mercer

What do you mean? If she had an AP then unless she broke the arrangement they cannot default her, no.

Look for my thread in defaults section added in the early hours. That will help somewhat.

Here/---> Defaults - CRA Data Default Guidelines - allaboutFORUMS

[SXGuy]

Re: Barclaycard/Mercer

Thanks, i didnt know this.

I thought that if the arrangement was to pay less than the minimum repayment then she would be defaulted regardless?

Infact nearly every CC company has told her that for her to be able to pay less than the min payment she would receive a default notice? Are they talking Plop?

Just read that link, as far as i know, it was not longer than 6 months on the arrangement, and she always paid the agreed amount, i think i should look in to this.

[SXGuy]

Re: Barclaycard/Mercer

Ok i found a letter from Mercers dated 16th November 2011, it says, thank you for your recent payment offer, please make your first payment of £1 on 16th December 2011, and make further payments each month for £1.

Then on the 1st January 2012, a default notice was serverd, asking to remedy the arrears.

So a) they did not wait 6 months before issuing a default, and b) my mother has complied with the agreement the whole time.

Is there a template i can send to ask them the remove the default based on this info?

[Never-In-Doubt]

Re: Barclaycard/Mercer

See the link above and you'll see the letter I just did for that user.

Here:---> allaboutFORUMS - View Single Post - whats the best way to pay a debt off with triton

You can edit that. It will suffice

[PlanB]

Re: Barclaycard/Mercer

Why are Default Notices, issued by Mercers on behalf of BarclarCard deemed invalid ??

B/card - Master Card
Issue Date - 25/01/2008
Remedy Date - Before 11th February
Balance - £10,232.45
Amount due - £646.00

Because *Mercers* isn't the creditor - Barclaycard is ?



PS Mine (I've got loads) never have Barclaycard written on them but maybe yours is blanked out?

[Miss Molly]

Re: Barclaycard/Mercer

PlanB, the only mention of B/shark is where Mercers claim to act for them.. Only the balance/arrears and account number are blanked out.

Shepherdess, nope.. no OFT sheet enclosed

I asked because I had heard pretty much what PlanB has said.. that Mercers couldnt issue a Default Notice because they werent the creditor.

Thanks everyone for your replies

[PlanB]

Re: Barclaycard/Mercer

Well that's what Garlok always posts so it must be true

[Never-In-Doubt]

Re: Barclaycard/Mercer

Well that's what Garlok always posts so it must be true

Not necessarily. People get things wrong, Garlok included.

However yes it is believed that mercers have no right to issue a DN unless they were assigned of course

[Miss Molly]

Re: Barclaycard/Mercer

Well that's what Garlok always posts so it must be true

Fair enuff

[PlanB]

Re: Barclaycard/Mercer

Not necessarily. People get things wrong, Garlok included.

However yes it is believed that mercers have no right to issue a DN unless they were assigned of course

Absolutely

[SXGuy]

Re: Barclaycard/Mercer

As far as i know Mercers are an in house debt collection agency, i understand they are not the creditors, but are we sure its just not another trading name for barclaycard? wouldnt that mean they can issue DN's?