Ok now I'm confused! Resolvecall sent me a letter saying they will be sending someone to my house to hand deliver a sd on behalf of cq, not that they have taken over the account. Cq where the ones who sent me the cca so the unenforceable letter should go to cq? Trina

Send the letter in Post 4 of that thread - Steven's letter - to Resolvecall as they were the ones who last contacted you and are (for now) CQ's agents. They will probably pass the account back to CQ and when CQ contact you again you can send them a copy of the letter.

I also received a letter from Barclays, I can choose my own provider, but must keep on paying the loan. Also had a letter from 'Resolvecall', they are acting on behalf of Mercers Debt Collection-saying if I don't pay up, they will be coming round personally to collect! Have signed up with fuzzbutt, just hope it doesn't take ages.

Hi CatUK I noticed that you questioned who Calders were earlier, take a look at the tiny print at the bottom of their letter. They are part of Mercers who in turn are part of Barclaycard. They just pass the details across the gangways desk to desk in the thuggery unit based in Liverpool. However whilst all this is going on they may use several others including Power2Contact, Resolvecall, Scotcall, Credit Solutions (another desk in Barclaysharks thuggery unit), Moorcroft and of course you have seen Debt Managers. None of them really like you knowing anything about the Law but all can be seen off with a little perseverance and digging your heels in. However the Default Notice you have received from Mercers will be defective in a number of ways, it won't have the full name and address of the original creditor on it, it probably will not have given you the statutory requiremnt in terms of clear days to remedy the default and of course the figures will be wrong because they will contain unlawful charges and the Law requires those figures to be absolutely correct. Now you have the formal demand from Calders, does this demand the full outstanding balance on the alleged account? If it does then this can be treated as unlawful recission on the back of a defective DN. There is a weight of opinion on this forum that this termination should be accepted in writing. At this point the OC can only ever claim the correct amount of arrears at the time of termination NOT the full outstanding balance. Plus this will also leave them open to a claim for damages for the unlawful recission of the alleged account as per the Koprahor case. There is a very good but complex thread on Invalid Default Notices in the Debt Collection Forum. Its certainly worth a read. regards oilyrag.

OMG, totally hacked off, anyone who has read my post about barclaycard will know I am in dispute with them following an invalid CCA, over a few months I have had letters from Mercers and resolvecall and last week a doorstep visit letter. I sent back recorded the standard letter to say that they could not visit me at home and today, well...... Had a major bathroom leak and waiting for the insurance man to arrive, bang on time he knocked on the door and I opened it to a man with a clipboard, I was really nice, thanks for coming, come in etc, he said you dont even know who I am to which I replied yes I do your from the insurance company and he said no im here for barclaycard thankfully he didnt even step over the doorstep and I just said to him "Dont ever come to my house again or I will call the police and have you removed" I shut the door and he walked off laughing. Im so blazing and trying not to get upset, not been a good week anyway, my dads been taken into hospital and on top of my leak my car is knackered. not convinced I can handle all the lot at once and really need some positive advice. how bloody dare they! they would have got the letter a couple of days ago. what do I do now? help please

Hi all Haven't updated cos really there hasn't been any - had a mail from a DCA (Resolvecall) which was pretty much the same I had from the 1st bunch - I sent off the bemused letter and not heard a thing in response - that was about 6 weeks ago Is this normal ? Should I be worried or just enjoy the peace ? S

Hi, If what they are chasing is what I think it is, it wasn't an actual bank account that I opened. I took out a loan and they also gave me a cheque book in addition to that loan that I could write cheques up to a certain limit. It wasn't an account I could pay money into or do anything else with. It was purely for writing cheques if that makes sense? I don't recall completing an application form for a bank account or signing a separate agreement. I could be wrong but I think it was part of the loan application. Even if it isn't covered by the consumer credit act is there some way I can make them provide information about what this debt is including copies of the application, agreement etc? Surely if they can provide no copy of an application and agreement then they cannot prove I owe this money? I have a letter from Capquest dated Feb 2008 (to my address) where the balance of the account is approx £650.00 less than it is now. The SD states that they have added just over £800.00 in interest since the debt was assigned to them. Is this another point that can be used on the set aside? I am unable to find the previous SD right now but I have a letter from Resolvecall dated February this year (at my parents address) that refers to one of the previous SD and that I have not acknowledged or set it aside. What happens if the judge decides not to set aside. Will that make Capquest go ahead with bankruptcy? If it is set aside and they have to pay costs will that not just make them angry and ensure they do things properly next time? Thanks for all your help. E

I have several sets of roller skates that can be fitted to the hands of over long arms. Do you think I would get a good price at resolvecall/scotcall? oilyrag.

Thank for the reply DebT, I think what they meant by "not employ a third party", is, I was threatened by Resolvecall whilst awaiting the CCA, so I sent the bemused letter to both of them!! I was just wondering if the 30 day thing did still apply or not, even if I do just sit back and wait, which I am quiet happy to do, I am a little curious as to the law change and why they are saying this.

It has been a while since I posted a thread as I thought I was getting somewhere! Now they are all at it! Halifax who had agreed a repayment basis with my husband to be reviewed in December. They did not contact him so I wrote a letter end Nov to increase payment and have made payments on time, they have now passed the account to Blair, Oliver and Scott without any warning! Lloyds who send one lot of letters saying yes the proposals are acceptable and to keep paying them, which he does, then they write and say that the proposals are not good enough?! Barclaycard have passed from Mercers to Resolvecall to Scottcall to Calders! Capital One refused the 50% offer and have passed it to Frederickson International! Is there any wonder people jump from bridges!!! ...... feel better for that although not very constructive was it!

If you have not heard from them for a long time, when did your OH last make a payment? Scotcall/Resolvecall appear to have a very cheap way of operating. I think the collectors that visit are self employed on a commision only basis. They have to pay for the own travel costs.

Hi Alf, Said she was calling on behalf of Egg so Capital Credit Agencies / Resolvecall. Caught me completely unawares as we have no contact from them in a long while. Isn't it annoying when you can't think of the appropriate response at the time! Just sent me into panic mode for a while, next time (if there is one) I'll be ready - hopefully !!

This near mythical beast knocked my door just now claiming to be from Barclaycard, but errr...his ID that said he worked for Resolvecall (Scotcall). Told him to get off the property which he promptly did He's still not aware he was asking for somebody I've never heard of - but you just can't let an opportunity like that pass you by.:lol: David

Hi Rainmaker, I would not bank on the calls ceasing completely regardless of having your solicitor's details on record with them. We have been in this situation for a number of months now. The calls have reduced dramatically down to a couple a day for each of us but we have more DCAs chasing than we have accounts. Mercers, Calders, Scotcall, Resolvecall, power2contact and now Moorcroft. All have the stop and desist letters. Sadly they are unable to read. Most have either just come down from the trees or have been recruited as redundant zoo animals. However what you can now do is inform them that your solicitors are in fact your "Appointed Representatives" and under the OFT Guidelines clause 2.8 paras c & d, they are in breach of said guidelines if they attempt to by pass your solicitors. Just log everything, don't enter any conversation other than to tell them to bog off. They have NO standing in law at all. Put the phone down. They will still be ranting but just ignore it. Our sols gave us a small supply of a "doorstep" letter on their letter heading to serve on any unfortunate stupid enough to come to the door, who also after giving them the letter you can as rudely as you like order off your property. Best regards oilyrag.

Hi slick I stopped paying them a while ago, I get pestered by Mercers constantly and as of this morning have Resolvecall and Calderfinancial threatening me in letters too. The letter BC sent me offering 75% F&F shows they are willing to play ball I think. I have until 25th to respond to them, I am thinking to respond saying all I can afford to pay is a low amount and see if they settle for that?

Dear debt4get, Thanks for you reply. Just to add that after 4 days of getting the letter from Mercers I have got a letter from Resolvecall. So I am sending them similar letter saying they cannot come to my house or else .... Hope it works!

Hi all, I am also new to this so please be kind to me Due to change in my circumstances last year I have been unable to pay monthly payments so I called CCCS who advised me to give token payment to all my creditors. One of my creditors is Barclays Card and I have set up token payment of a 1gbp which they refuse to acknowledge. I have written to them 3 times to them all recorded delivery advising of my situation. They have ignored what I have requested in my letters and passed the case to Mercers. After I got a few calls (I did not speak with them) and letter from Mercers I wrote to them saying they cannot visit me per the letter template I found in this forum. Now I have got a letter from Resolvecall saying if I do not call Mercers to pay up they will come to my house. In the mean time I had sent a CCA req to Barclays. They have responded with this - http://i777.photobucket.com/albums/yy53/Jeezman2012/bark1-1.jpg http://i777.photobucket.com/albums/yy53/Jeezman2012/bark2.jpg http://i777.photobucket.com/albums/yy53/Jeezman2012/bark3.jpg Can someone enlighten me pls as to what they are saying in the letter? As it does not make any sense! Thanks in advance

im in a similar boat, CCA off barclaycard was a joke, they refue to discuss my account and even though its in dispute they have transferred it to mercers and today I had a letter from resolvecall wanting payment...sure they cant pas my account to anyone whilst its in dispute but as always they just plod on and do what they like. Im ignoring them all for now, my only concern is that my personal bank account is with barclays and I really hope they dont have authority to take money out without my say so - does anyone know?? if anyone turns up on my doorstep they will definately not get over it! cheeky sods!

Hi Franmc12 Sadly there is no solution to dealing with the group of companies in the Barclaycard fold. This includes in our own case, Mercers,Calders, Power2Contact, Resolvecall and Scotcall. They will ignore everything up to and including injunctions against them. It has been stated to me by Mercers that Barclays Bank can break the law with the full backing of the Supreme Court and Parliament (????) Just remember that they have absolutely no standing in law, none of them despite what they will tell you. The professional legal advice to us was to just ignore them and put the phone down. Actually now we get them to identify themselves and do not be fooled by the friendly christian name approach, enter NO conversation with them At ALL, read the riot act almost just as it is in the CAG doorstep letter template, be rude do not give them a chance to speak and put the phone down. WE have just logged our 500th call from Mercers alone. You can complain to Trading Standards if you wish but unfortunately you may find in your area that you know more about Consumer Credit matters than their officers. Complain if you wish to the Office of Fair Trading but they will not deal with individual complaints they seem to just log the things and when they have enough, whatever that figure may be, they then issue reprimands to the company concerned. Keep the faith there are many of us on here who are battling exactly as you are. Technical detailed advice from those more expert than me will also come your way here. If you need then ask and someone will be along. Regards oilyrag.

Hi Guys, Nice brew Charlie! I suppose I will have to put my neck in the noose. It is a while ago now but we were struggling to make full monthly payments on our Barclaycards. However we were making full payments just about, albeit a bit late at times. A subsequent schedule of payments showed that we were never more than 2 days late in getting the payment into the bank over the counter in cash. Then suddenly after making a full payment 24 hours previously into the bank itself over the counter in cash we were hit with the Indian callcentres. Very rude very abusive, very aggressive. This went on for three days approximately every twenty minutes between the hours of 8 in the morning and 9 at night. In total nearly a hundred calls and some of these were multiples like having to put the phone down they would ring back immediately and have another go. I have pulled the phone plug out of the wall on one occasion. We have never been let of the hook since. This also occurrred straight after we had , in the interests of reasonableness, talked to a BC "Customer Relationship Manager" explaining that things would be like this for a while as I had just been diagnosed with a life threatening long term illness and subsequently backed up in writing and acknowledged by them. This was probably the worst, and I do not know how we got though it. Then I read about the EU directives on data processing outside the geographic boundaries without your specific permission. In the mean while we are being attacked on all fronts by several offices of BC themselves, and in particular a very nasty bunch purporting to be in South Africa as and I quote " Barclays Bank have just been allowed to open up again over here so don't try the data processing thingy like all the other won't pay debtors." I knew we then had to look at some form of legal solution and hence the CCA1974 came to light along with all the cold calling (and highly suspicious too good to be true) CMCs. Hence getting the whole thing into dispute. Just about the same time it came to light that the Indian callcentres were flogging all yours and my data on to the organised crime syndicates. Hence from then on it seemed all the hassle emanated from these shores. I've already explained where we are and the involvement of the legal boys and girls. The hassle and aggro are on the increase again and at this moment accounts are with Mercers, Calders, Power2Contact, Resolvecall (another dormant outfit belonging to Scotcall) and Scotcall themselves, more dcas than accounts. The tactic they are trying to exploit now is to wrongfoot us by swapping mine and my OH's accounts around these various outfits and get us to make a mistake by confusion. Oh the start of the call will be friendly and courteous asking for us by Christian name then they will try to turn up the heat. Solicitors advice is to just put the phone down and ignore it logging tha call time and date and any identification you can get (like Moira Stuart ho ho). Or change the number and go ex directory, not an option for us. We are to ignore any correspondence from any of them unless it is the actual issue of proceedings. Doorstep visit threats to be ignored and we have papers here on their headed notepaper should any unfortunate actually arrive which reads the riot act in no uncertain terms. Much the same as CAG template but with additions about Appointed Representatives and the OFT guidelines etc with all the draconian consequences listed. All correspondence including envelopes to be dated on receipt and kept for future use in any court action they might wish to bring. We have been through the being courteous to them and telling them to correspond only in writing via our legal reps. We are now on the rude abusive route not giving them a chance to speak once they have identified themselves. We have it down to about 3 or 4 times a day now with a letter of some kind once a week. As I previously posted, this week we have just logged the 500th call from Mercers/Calders. Who according to Companies House when we made complaint there are under investigation for illegal trading whilst dormant. As they are part of a financial institution they are require to file full audited accounts (Companies Act 2006 section enacted October 2008). Failure means that their directors have committed a criminal offence. Bu t the frequence and awkwardness is beginning to rise again particularly at the beginning of any month. I don't feel that where we are and what we are doing is entirely satisfactory but as they have ignored the CAG type letters from us, formal "desist and stop or else" letters from our solicitors and injunctions, what else is there to be done. I do wish I had been able to record it but in one conversation with a really stroppy woman at Mercers I was told that they could do as they pleased, they were Barclays Bank and had the full backing of the Supreme Court and Parliament if they wished to break the law so I had better do as they said or else they would take us apart. Dynamite and I missed it. It is now just hearsay. There you go guys discuss at will. I have started it off. oilyrag:)

UPDATE Hi all, I finally recieved a letter from Barclaycard customer relationship unit (dated 21st Jan) re my complaint of harassment. After reviewing my account they have stated that they are only able to consider monthly repayments of less than 1% (min £5.00) if they are formally approached by a nationally recognised counselling service and that I should go back to the CCCS for assisitance. They also state in this letter that " I am obliged to tell you that at this stage you do not have the option to ask the Financial Ombudsman Service to review your complaint" They also go onto say that "I can consider this as there final responce". I then recieved a letter from them (dated 18th Jan) re my request for a copy of the CCA, stating that "we have already set out, in detail, why we are satisfied that the documents already supplied to you have discharged our obligations under the act". On the 23rd jan I recieved another letter from Mercers stating that they had been unable to contact me so they will be instructing a loacal debt collector to visit me at my address to collect payment. I replied with the following letter :- Sir, Reference your letter dated 22nd January 2010, you have stated that the account is still overdue and you have been unable to contact me. I find this statement very strange as YOU HAVE contacted me TWICE by letter. I also refer you to my letter to you dated 13th January 2010, in which I supplied the following information. I must inform you that the Barclaycard account ************ was placed into Dispute on the 5th January 2010. Barclaycard representative Mr. Grant Lake is aware of this and should not have passed on the account to your office. I have enclosed a copy of this letter for your files and remind you of your duty under the consumer credit act. Furthermore, I will only communicate to your office via written correspondence and will not allow or entertain any person calling at my address. Now the last statement appears to be easy to understand, and as I know you do not hold any telephone numbers to contact me on it also seems pretty clear to me that communication by letter is the only way, so if you have not been able to contact me then you obviously have not tried. On the same date (13th January) I received a letter from resolvecall of Glasgow who stated that they had been asked to act on your behalf and collect the alleged arrears. On receipt of both letters I replied by return post informing you both of the situation and also informed you that I have passed on this complaint to the ombudsman service. Please be advised that a copy of this letter and the letter from you will be passed on to the Ombudsman, the reference number for this is ************* On the 23rd Jan I also recieved a letter from the FOS stating that they had recieved all the paperwork I had sent them on this matter and they would respond a.s.a.p. I have since sent them the other letters recieved as mentioned above so its now a waiting game to see what the FOS come up with.

Ah yes www.resolvecall.co.uk Who funnily enough have exactly the same address as Snotcall Scotcall Debt Collecting Services, Glasgow (Blythswood Street)

Thank you for the responses. I sent a CCA request to Capital One and after many months of toing and frowing they finally sent what looks like a signed application with attached terms and conditions. I do not believe that it conforms to the "prescribed terms" so I have offered them half of the balance in full settlement and am awaiting a response. I had not thought of CCA'ing Barclaycard as I just assumed it would all be above board..... looking at their tactics I now feel a little different. Should I write to Mercers and Resolvecall and say that the account is in dispute and to get lost?!:?

Resolvecall is some side kick of scotcall I think, another outfit that listens to nothing, reads nothing and responds to nothing apart from the sound of numbers relating to your bank acc or debit card. Do not, speak to them or mercers, do as advised and get the CCA request off and ignore their ideal threat, of which there will be many believe me. But it is all done to intimidate you, neither of them have any legal powers whatsoever, they just like you to think they have. Give no personal info under any curcumstances and certainly don't acknowledge any debt with them. It goes without saying DO NOT PAY THEM A PENNY