Thank you Stubie, I think you posted something similiar about defaults and I 've not been able to find it. It's good to have hope, everything was beginning to sound like defaults were unavailable. You've made my day a whole lot brighter! unavoidable-not unavailable, imagine the unroar if we were denied our defaults

I've posted the contents of a letter from MBNA on another thread, in short it says that they will only produce a signed agreement if they take me to court to enforce the agreement-BUT they write this won't happen, they will put a default on my file and sell the debt. Since then I have received a colourful printed standard thingie with ...

well I've not heard that one before, how would they get all that on a little card?I found Mercers polite and just told them I counldn't talk to them while FOS was dealing with it and they passed it back to BC quite quickly. I heard from FOS yesterday about M&S, they phoned to discuss the complaint. M&S could only provide ...

Sorry if I went off at a bit a tangent. I did report Barclaycard to FOS and it did make a difference to DCA Mercers and when Scotcall called, they sent it back to Barclaycard. Now Barclaycard has passed it to Calder Finance who seem to ignore all this and FOS say they are entitled to continue debt collection 'activities'. My original ...

I'll have to get back to you on that one, these companies send you a mountain of paper. Perhaps someone can help me out here, is it something to do with the Data protection Act and info being passed to a third party or debts being sold on?I feel I've read the guidelines somewhere. Anyway, for me there's no turning back, I've ...

There are no guarantees every case is different that is why there is a policy in place , you might like to look at CAG site, I think you will find quite a few. My guess is that when it's all over people just want to move on with their lives, I've found it all so exhausting that that is what I will do for a while at least. I didn't ...

I'm going through the same process with Barclaycard, it's at the stage where it's been to Mercers and come back, now it's with Calders and I've also had a doorstep call from Scotcall. Such was my frustration that I have signed up with one of 'those' companies that advertise-more news as it happens. BUT-I thought this ...

All three of my Barclaycard accounts have been passed to Mercers then back to Barclaycard and now on to Calders. I've had the same line as Kay from them. I also went to FOS and actually not much has changed , if you speak to any of them on the phone, the message seems to be very mixed-could be this is a grey area for them?I realise they must ...

Sorry menvor-there's some really useful stuff. Even if it isn't appropriate now, it's good to paste it into your armoury.

Most of us on here have seen this sort of thing loads of times, don't forget they aren't trying to be fair , truthful or honest, they just want your money and will do as much rule bending as they can get away with. Have you checked through the other threads?I think Kree is going through something similiar and there's some good stuff on ...