Angmarie -v- Mercers re Masterloan a/c

[angmarie]

Originally Posted by LampLighter

Despite Mercers Debt Collections Limited being shown as dormant, filings continue.

Company Name:
MERCERS DEBT COLLECTIONS LIMITED
Company No:02550639
Registered Office:
Incorporated:22/10/1990
CITYPOINT
ONE ROPEMAKER STREET
LONDON
EC2Y 9SS

Company Type: Private Limited
Report Status: Full Data
Accounts Type: Dormant
Latest Accounts to:31/12/2008
Latest Return to:01/01/2009

The above as of 10 June 2009.


At Companies House I see also this:
Company Type: Private Limited Company
Nature of Business (SIC(03)):
7499 - Non-trading company

So here we have a Dormant, Non-trading Company which sends out letters bearing a PO Box address in Liverpool within Barclaycard envelopes carrying a PO Box address in Northampton as a return address.

In what way is this proper?
tch tch tch
LL

I have been trying to contact Mercers debt collection, Liverpool for days have spent hours on the phone spoken to Mercers in London and Manchester, every department of Barclaycard and Barclays bank were i hold bank account and no one has any contact details for Mercers in Liverpool. I have an old letter from them the contact tel. number is unobtainable.

The reason for my persistense is some years ago my masterloan fell default and was passed to Mercers an agreement was made and SO set up. I recently realised and i know its stupid but i never cancelled SO they never contacted me again and i have made 12 extra payments.

Does any one think i will have any hope of getting that money back!!

Have written to them at Liverpool and also Barclays Bank Head Office, my worry of course is that they appear to be dormant company, I think this is disgusting and more shocking even Barclaycard loans department had or said they had no idea who default accounts were passed over to (what a joke). Anyway i am closing my Barclay's bank account in next week am so disgusted with them.

[slick132]

Hi Angmarie,

I'll move this into your own thread which you can use for your case.

I assume this is a Barlays Mastercard, in which case, write to Barclays London HQ setting out briefly what has happened and how much you have overpaid on the a/c.

Give them enough info to identify the a/c icluding the a/c no., the card type and your address(es).

Tell them you require repayment of the amount o/paid within 14 days and send the letter by Recorded or RM Special Delivery.

Address them as:

Barclays Bank plc - t/a Barclaycard (or whatever name it was)
1 Churchill Place
London
E14 5HP

[angmarie]

Thank you for your response, i sent letters rec. delivery on Saturday so will wait for a reply but im not holding out much hope it was a masterloan through barclaycard. The only thing i forgot to do was mention a reply within 14 days. I will keep you updated though.

[angmarie]

Originally Posted by slick132

Hi Zorro,

There's plenty of ways to dispute matters with BC and Mercers.

Don't get involved in whether Mercers are dormant, awake, trading or anything else. Just deal with the normal issues.

Hi Slick

Its been 16 days since i wrote requesting the refund of overpayment by S/O. What a game this is Barclays HO wrote back giving me correct tel. number for mercers. I have had to phone them every other day have had no written response from mercers at all. Barclaycard and mercers keep insisting they have no idea where money has been paid which is complete poop as i bank with barclays are they really that stupid or is it me

Shall i write to Barclays HO and complain that if i wanted to make a payment the account would appear out of some where. I have to accept that it was foolish not to keep track and cancel S/O but they should have written to say account payed up in full.

[slick132]

Hi Angmarie,

Do you have a thread for this - your post would be better there.

I'd write to Barclays HO setting out your complaint briefly and tell them they have 14 days to investigate and refund the amount to you direct (they'll want to offset this against your other BC debt).

If they fail to comply, send a lba and then File a court claim for the return of monies overpaid.

Please confirm which thread this relates to and I'll move these posts.

[angmarie]

Hi Slick,

Are they clever enough to think of that. However i already have, im not bothered as long as they dont get to keep overpayment, but just out of interest are they allowed to decide how the monies are paid back.

Many Thanks

Ang

[slick132]

Hi AM,

Right, I found the original thread that I started for you for this case. Add it to your Favorites so you don't lose it again. I've added the new posts to here so it all makes sense.

If you have to file a claim against Barclays Bank PLC t/a Barclaycard (which is how you'll name them on a court claim), you should be able to get the money paid to you direct.

If they agree to refund the overpayment before you file a claim. they'll probably set it against any other BC or Barclays debt. If they do this, I doubt you could argue against it usefully.

As you say, as long as they don't get to keep it.....

[angmarie]

Slick

Sorry im a pain, i dont know how to add to favourites.
Still learning and loving this site.

Ang

[slick132]

No probs, except I'm not very good with puters myself.

I use Internet Explorer (IE7 ?). Open your thread; in the tool bar at the top of your page, L click on Favorites; at the top of the drop down menu is Add To Favorites; L click and the thread you're on will be saved in Favorites.

You can change the name if you want. When you want any particular thread, L click on Favorites and the faves you've saved will show. L click on the one you want and Bingo - it takes you straight to the thread.

Use this to save any web pages, etc that you want to revisit.

If you're NOT on IE, let me know what I/N Browser you use and we'll get a techy to help you.

[angmarie]

Slick, yayyyyyyyyy managed to save to favourites.
O.k. next question what does tip my scales mean please


Many Thanks

Ang

[slick132]

Over to the left, there are 4 symbols. Scales are 2nd from left.

When someone helps you, you can thanks them by scale tipping and leave lovely remark for them.

It adds to their "reputation" - the green blobs under a user's post count.

[angmarie]

Hi Slick

Thanks for all your recent help, I phoned mercers today for update on overpaid account (hubby's) they are a bunch of useless bones they think its acceptable to say account details been lost, I said pity you couldn't have been so careless 3 years ago.

Wrote to Barclay's Head Office again, and told them they have 7 days in which to kick ass with mercers or we will have to take this matter further.



Ang

[angmarie]

Hi Slick

Not had any response yet from letter to Barclays H/O demanding repayment. Some thing not right there but im not sure what is going on.
What should I be doing next, if they not respond in couple of days.

[slick132]

Hi AM,

Set out all the payments made in error to Mercers on a site spreadsheet. This would do it - http://www.consumeractiongroup.co.uk...arges-calc.xls

Narrate each overpayment as "Overpayment", enter the date and amount. The spready will be your SOC and, if you file at court, it will calculate the 8% s.69 interest which you'll claim. Print off the SOC except for the int't column - you'll use this when/if you file at court.

Letter as follows.

Barclays Bank PLC t/a Barclaycard
1 Churchill Place
London
E14 5HP

Dear Sir or Madam,

letter before action
Barclaycard Masterloan - Account No: xxxxxxx

My attempts to secure a refund of amounts overpaid to Mercers as set out on the enclosed Schedule of Charges have been unsuccessful. My letters remain unanswered.

I enclose copies of my letters sent so far. The overpayments arose because payments continued to be made by Standing Order AFTER the debt was paid off in full.

I now require that you refunds the amounts overpaid to Mercers as per the enclosed Schedule within 14 days.

If you fail to refund as requested, I shall file a county court claim against Barclays PLC without further notice.

I trust you will respond as necessary to avoid this action.

Yours faithfully,

Send by Rec'd Del'y

If you haven't filed a claim at court before, read up on this and download a Form N1 so you're ready to use it when the 14 days is up.

[angmarie]

Slick

Thanks for that, great letter and spreadsheet, best go and start doing my sums.


Thanks

Ang

[angmarie]

Slick

Im so excited, I have discovered sort code and account number where S/O payments were being paid to. Its quite disgusting that they have maintained for 4 weeks account details been lost but I feel now as though they have been accepting this payment unlawfully (almost stealing) if the account was settled and closed. Now my point is this if I have discovered these details purely by accident how the hell have my branch, Head office and mercers not been able to find those details. Its quite shocking really and im wondering if armed with the fact ive done their job for them whether i can demand payment to my account, or whether they still have the right to set it against hubby B/C.(they have not mentioned this but its always a possibility). Any comments please.

[slick132]

Hi AM,

Glad to hear you've found this info about where the money was credited.

Send off the letter as outlined above but don't mention about the a/c details which you now have.

If they fail to refund or offset against your other BC debt within 14 days, you can file your court claim which wil get you 2 things:-

1. Repayment made to you direct.

2. Section 69 Statutory interest at 8% on the overpaid amounts from the dates they received each one - this is what the spreadsheet calculates for you.

If they do agree to refund before you file at court, they can only off-set against YOUR Barclays debts or a JOINT bank or card a/c - they cannot set off against a debt in YH's name.

So fire the letter off asap and hope they don't refund voluntarily.

[angmarie]

Originally Posted by slick132

Hi AM,

Glad to hear you've found this info about where the money was credited.

Send off the letter as outlined above but don't mention about the a/c details which you now have.

If they fail to refund or offset against your other BC debt within 14 days, you can file your court claim which wil get you 2 things:-

1. Repayment made to you direct.

2. Section 69 Statutory interest at 8% on the overpaid amounts from the dates they received each one - this is what the spreadsheet calculates for you.

If they do agree to refund before you file at court, they can only off-set against YOUR Barclays debts or a JOINT bank or card a/c - they cannot set off against a debt in YH's name.

So fire the letter off asap and hope they don't refund voluntarily.

Slick

Im afraid I was a bit of an eager beaver and had already sent letter containing full account details from: this account to: this account.
I said to them now armed with full details I fail to see why you cannot refund overpayment to my current account I included details of those just to help them once again, insisting it was refunded in the next 5 days.
A point I want to raise, and will if they do try and offset against any other barclaycard debt is that how and why would they continue to accept payment against a closed account. I feel that by raising this point they have to return it to where it came from. Will there be any point other than this in which I could argue where refund is paid.


Ang

[slick132]

Hi Eager Beaver,

What's done is done - 'snot the end of the world.

how and why would they continue to accept payment against a closed account. I feel that by raising this point they have to return it to where it came from.

Maybe their systems are set up to collect money, not to recognise when it's being overpaid - who knows !! You may think they should return the money in this way but they'll see it differently.

I'd say, if they credit the money against your other debt within 14 days, leave it as a lesson learned.

I think the 5 days you've given them may not be seen as reasonable. Did you say that court action would be taken without further notice if they don't pay within the 5 days.

Certainly, if they haven't responded within 14 days, file at court instantly.

[angmarie]

Slike

I did not mention filing court claim at all, and I disagree about 5 days given that they have had most of the details since 10th June, Mercers have never even responed to the original letter sent R/D.

This is why im now dealing with Barclay's H/O, having spent many years working in accounts departments ive never known a system where they dont print monthly accounts out regularly, thats to tell them who's missed payments lol.

Any hoo lets wait and see what they come back with


Ang