Laalinz V Barclaycard Mercers

[laalinz]

Ohhh Think I will have a hunt for that

[laalinz]

Love Sky's caller bar function. Mercers can now only get through on a withheld number and I always tell them I will not give security details to a withheld number.

 

Should all these phone calls stop after my DMP is set up with CCCS?

[slick132]

Hi Laalinz,

 

Should the calls stop - most definitely. And if they don't, complain immediately to the FOS and to Trading Standards.

 

 

8-)

[laalinz]

Have today received a letter from Calders saying that their client is prepared to offer me a settlement figure if I contact them within 5 days.

 

Only problem is I don't have spare cash to pay this one straight off no matter what figure they come up with.

[slick132]

Hi Laalinz,

 

Ignore Calders - they have nothing to offer that will interest you.

 

Just flicked back through your posts - what's happened about reclaiming your charges. Any progress on this and where are you at, now.

 

8-)

[laalinz]

I have been enjoying the peace and quiet that CCCS DMP has brought and I am ashamed to say I have not been fighting anyone.

 

Back in the fighting spirit now though.

 

What would you suggest my next step would be? I have heard nothing from Barclays at all!!!

[slick132]

Do you have all your past statements for the last 6 years to quantify the amount of penalty charges you been hit with.

 

Have you listed them on a spreadsheet, either simple or compound interest.

 

I assume you have not yet sent BC a Prelim Claim letter with your SoC - http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

 

Enjoy the peace but also keep things moving. For a guide on whether to seek compound interest or not, see Leilani's BC thread.

 

8-)

[laalinz]

Yep, all worked out and letter sent to Barclaycard, no response. lba sent no response.

 

They ignore everything from me.

[slick132]

Hi Laalinz,

 

Sorry, I've just read back through your thread and see you've worked out all your penalties and compound int't as per post #35.

 

When did you send the LBA to BC and did you use the template I suggested. If it was more than 2 months back, I'd send a further LBA with an updated SoC.

 

Now is the time to decide if you want to go for full compound interest as this will involve you taking court action. If you don't want to do that, just ask for the charges back and they'll refund without the need for court action. Of course, you lose out on the increased interest.

 

8-)

[laalinz]

I will send another lba.

 

Hopefully they will reply as I have yet to hear back regarding my bank account with them also (as in my other thread). They ignore everything I send.

[slick132]

Hi Laalinz.

 

Well, if they ignore your LBA this time, you will file a court claim after their 14 days is up.

 

8-)

[laalinz]

Hello,

 

I know it has been a long time since I posted on this thread, but I went onto a DMP with the CCCS and must admit that I got lazy with chasing refunds while been on the plan.

 

Everyone agreed to the plan and I have made every paymenst on time and things have been peaceful. The relief from the stress was unreal.

 

I have started receiving threatening letters from Moorcroft regarding this Barclaycard account. The one received this morning wants me to arrange an date with them so they can call out to discuss my account with me at my home (like I am gonna ring them over anything) they do say that if I make a monthly payment of £75.00 they will settle for that. basically they are trying any means they can to get me to ring them. Strangely though, I have not been hounded by a single telephone call from Moorcroft, which is strange considering their usual hound dog style.

 

I look forward to hearing from you guys xx

 

Any advise on how I should approach them would be greatly received. I know I should start the horrid pass the letter regarding refund of penalty changers (which results in them ignoring EVERY letter I send)

[slick132]

Hi Laalinz and glad to hear you have been enjoying the peace (while it lasted).

 

I assume that you've not pursued the refund of default charges on this. It may be time to take this matter further, to put BC and Moorcroft on the back foot.

 

Is this a/c included in the DMP and have you made the required monthly payments.

 

Is there any reason why Moorcroft should be chasing this now. Have you had any notice that BC have sold the a/c, for example.

 

[laalinz]

Hey Slick,

 

Thank you for coming back to me, long time no speak Hope your well.

 

Sorry for later reply bn a bit under the weather with a tummy bug (joys having having children, they are walking germ bags).

 

No I have not pursued the refund chargers (feel free to slap my hands) Think I may have to SAR them again unless I can find my paperwork.

 

I have made all payments to CCCS and all of my creditors are listed on DMP.

 

No notification that any accounts have been sold to any debt collector so Moorcroft letters were a bit of a shock as it was out of the blue.

[slick132]

Hi Laalinz, and I'm fine thanks.

 

No wrist slapping ........ yet !!

 

But you really need to pursue the reclaim asap, so you stay one step ahead of them. Dig out the old papers or send of an SAR asap. You'll only get back 6 year's info so, if there are older charges you want to reclaim, find the old paperwork or you may lose out.

 

If payments were being paid under the DMP, I don't see why or how Moorcrofts have decided to interfere. Are they saying they now own the debt, or are they pursuing it on behalf of BC.

 

Edited December 1, 2011 by slick132

[laalinz]

I'll dig the paperwork out.............

 

Moorcroft say they are acting on behalf of Barclaycard. I did have the odd phonecall from Calders since being on the DMP but I just ignored them as they were very infrequent and maybe only about 6 in total. But they bang Moorcroft send me a letter about every three weeks threating to take me to court.

[slick132]

Perhaps contact CCCS and ask them to contact BC to confirm that the payments are be made as agreed.

 

Accordingly, BC should ensure that Mercers, Calders and Moorcroft are told to stop contacting you immediately.

 

[laalinz]

I'm BACK

 

Paperwork found, Spreadsheet of chargers done and ready to go!!

 

Do I need to start the reclaim all over again? Which template letter would you suggest I send with my spreadsheet? I'm going all the way with these now.................even to court if need be. I am BACK lol:fencing:

[slick132]

Hi Laalinz,

 

Start from scratch using this as your Prelim Claim letter - http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

 

Use it again as your LBA in 14 days time.

 

Are you claiming compound interest in restitution at 24.9% ? If so, mention in the letter that you are relying on s.32(1)© for any charges older than 6 years as per Kleinwort Benson v Lincoln City Council. And you will rely on Sempra Metals v Inland Revenue Commissioners regarding interest in restitution..