Mercers debt collection/Resolvecall

[GuyMeurice]

hi guys,

 

Just went up to my mum's to collect some post and found two letters.

 

One from a company called Mercers dated the 14th February demanding that I pay them a sum of money to cover apparent outstanding payments on my Barclaycard account.

 

Now, I've had issues paying my balance, and they've been reducing my credit as I've been paying, but I have been paying.

I can't see anything on my account on their website to suggest I'm in more arrears than I should be.

 

I also received a letter from a company called Resolvecall with a different amount in arrears.

 

I don't know what to do about this as I'm not aware that I'm needing to pay anyone other than Barclaycard any money.

 

As far as I'm aware I'm up to date on my minimum payments.

 

Can someone give me some advice on what I should do here?

 

Thanks

 

Guy

[dx100uk]

ignore them!!

 

they are not the owner

they are not a BAILIFF

 

they have no such LEGAL POWERS

 

dx

[unclebulgaria67]

Contact Barclaycard to find out what is going on. They should have sent you a letter, if anyone else was going to be dealing with your account. I think Mercers are Barclays own debt collection people. Resolvecall I think are part of Mackenzie Hall DCA's and they will chase on behalf of many different companies. Unless the account was in default, I don't think it should have been passed for any debt collection activity. Mistake by Barclaycard ?

[GuyMeurice]

This is what I'm hoping, I'll give Barclays a call in the morning and try and work out exactly what is happening. I just know you guys have seen everything these shysters can think of before and wanted to make sure it's not a [problem].

 

I hope it's a mistake, I really do.

[slick132]

Hi GM,

 

Although we normally say NEVER call a DCA (Mercers are BC's in-house DCA), I think calling BC on this occasion will be ok.

 

I wonder if they've reduced your limit and now the balance is over the reduced limit.

 

If you've suffered any penalty charges on this account, you can reclaim them in full.

 

[GuyMeurice]

It appears when I paid my last statement online I clicked to pay the wrong credit card, which is great, so rather than tell me they've just referred me to their DCA. I'm able to pay the money owed on the 28th, so hopefully if I pay that to BC that'll make the problem go away.

 

What can I do about reclaiming charges?

[slick132]

Hi GM,

 

Read some of the **BC WON** cases here about reclaiming BC's penalty charges plus compound interest in redtitution- http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Or for an example of a "live" case, see here - http://www.consumeractiongroup.co.uk/forum/showthread.php?364605-BARCLAYCARD-S.A.R-Confusing!!!