Hope all is well Kenny - Happy Holidays to you and yours

I'm back too, but with a different bank this time!!! Good luck Tilly, but I know you wont need it, you old pro you :-P

Are NatWest claimants allowed in here too :o

I have just been hit with charges for £76.00 on my new account with more to follow. I feel I have been wrongly charged as my benefits went in the same day as my D/D come out and guess which happened first!! I know I have had £76.00 taken on the 3rd December and have been told I had another D/D and S/O was refused this morning - I would NOT be in this frigging mess had they not hit me with the first lot of charges. This amount may not seem a lot to some folks, but this is the amount I get a week to live on. I am going to stop this snowballing before I lose my home! Keep you posted!

I can't believe you are still fighting this overflow! Just popping in to thank you for your good wishes on my Barclaycard thead- I WON TODAY!!!!!

Well no copy of my agreement - no surprise there! Got a call from Barclaycard this morning wanting to know how she could help resolve this issue. She wanted to know how I came to such a high amount of interest, I told her I was claiming 27.9% interest as that is what they are charging me! She proceeded in explaining that the courts are agreeing on 8%. So as a compromise she would half my original figure, which still amounts to more than the 8%. I told her I had been offered £59 refund in charges, which I had refused. To find out it was added to my account anyway in July! She was really helpful and wanted to resolve this before I put my court claim in on Tuesday. I was made an offer there and then and a promise of everything in writing and a copy of my credit agreement, so... I have accepted their offer and am now done with ALL my claims - I would just like to thank everyone for their help and encouragement, when at times I wanted to say sod it all. Good luck to all those still claiming - and never give up! Can I please have WON on my thread - fankoooooooo.

Count me in - prefer Stevenage tho

Just called Barclaycard and spoke to a helpful young lady. Asked her who holds my account, Mercers or Barclaycard, apparently it is still with Barclaycard! asked why the hell am I getting threatening letters from Mercers demanding full payment or else - she had no idea! They deny receiving my request for my credit agreement and any letter from FOS -told her I have proof that they did receive them. The data protection team is going to get back to me about my refund of charges and my credit agreement is in the mail today. She advised me to continue with my payments even though my account is in dispute - I will wait and see if this agreement turns up and if it is the original before I make any payments. I will wait 10 days then file my N1 for my charges, the interest is adding up nicely!

Great news Stone - almost time to get them dresses packed away eh

Congrats Pina - good to see folks still klicking the banks asses

Any news on this REK?

I think I am going to request my CCA agreement from Barclaycard as I am getting nowhere with Mercers. Yes I agree Maxine - N1 time me thinks, these asses have got on my last nerve for long enough - time to kick ass again me thinks. Keep ya posted.

Oh and YES keep me posted about the TV show - you have my email addy

EXCELLENT NEWS MAXINE - I'm so pleased for you, well done! My turn next

Thanks Slick - I'll get a letter in the post tomorrow.

Hi Maxine Yes I am going to email FOS and let them know what Mercers are up to - I didn't put my N1 form in, I wanted to get Mercers sorted first then go for my claim. I have found this that Chris posted in Halifax forum, do you think it would be an idea to send a copy to Mercers & Barclaycard? I thought I could by law stop payments to Mercers as my account is in dispute, thats why I have not paid them. Where do I stand on all this, anyone know? Dear Sirs Ref: I refer to your “Final Notice” dated XXXX in which you state that it essential that I telephone your office immediately. I will not be telephoning your office. (obviously adjust this paragraph depending on what rubbish they have sent you following their default) On XXXX I wrote to you requesting a copy of the credit agreement you hold in my name, under the Consumer Credit Act 1974 (Sections 77-79). On XXXX a member of your staff signed for delivery of my written request, and I have an electronic proof of delivery showing his/her signature and the date. This is where your recorded delivery comes in as you can check when they signed for the CCA request on the Royal Mail website under track and trace. A copy of the credit agreement should have then been supplied to me within 12 working days. The general effects of sections 77-79 requires the creditor/owner (in the case of a hire agreement) under an agreement for (fixed-sum credit, running account credit and hire agreement) to provide the debtor/hirer with a copy of the executed agreement and a statement of account on request. To date you have failed to respond to my request. I still require you to send me a true copy of the original credit agreement that allegedly exists. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law. I have made a reasonable and lawful request for a true signed copy allowed by the Act. Indeed, The Office of Fair Trading (OFT) states that “if a creditor/owner fails to comply with a valid request within a period of 12 days (not including the date of receipt of the request) he may not enforce the agreement at all. This prevents enforcement with or without a court order. If a default lasts for a month (for example a calendar month) it constitutes an offence. A ‘true copy’ of an agreement principally consists of the terms and conditions of the agreement and the statutory content of the agreement. Additionally, the creditor must supply the total sum paid under the agreement by the debtor; the total sum which has become payable under the agreement but remains unpaid; and the total sum which is to become payable under the agreement by the debtor (the latter two must include the various amounts comprised in that total sum and the date when each is/was due. I must advise you that any account I hold with you is now in legal dispute. Whilst the account remains in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. I expect no other communication from you in respect of this matter except for confirmation of compliance with my requests. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me Yours faithfully

Thanks for posting this Chris, I am going to send a copy to Mercers DCA as they are threatening me with a default on my Barclaycard

Hows things stone?

Hi Maxine - long time no hear hu. Not been doing much the last couple of weeks as I was knocked down with flu So an update is in order I guess. Got a letter from FOS 6th October in response to my complaint about Mercers saying they have asked Mercers to deal with the matter and I should get a response within 8 weeks. I now have Mercers business address: Mercers Debt Collections Limited Barclaycard House Norwich Way Kirby Liverpool L32 8XN Also got a letter from Mercers dated 19th October sent to my old address: "Default notice served under section 87 of the consumer credit act 1974" Dispite a recent letter from Barclaycard, you still are behind with payments on your account.You must make payment of £xxxx.xx before 5th November. Helpline 08701540193 I thought my account was in dispute and therefore they cannot serve a default? Anyone know where I should now go with this? I want to nail these asses to the wall but have no idea where I go now. Any advice?

Hi Stone, Not sure when you get back, but have sent you a PM

Hi there. Good luck with your claim - any worries or problems just shout and someone will pop in and help.

Care to explain what it is and how it helped?

Sorry I missed your leaving party - just wishing you a great holiday - and have fun ;-)

Queen - Fat bottomed girls

Use the same on that we use for bank accounts, it can be found in the library - yes claim with N1