Barclaycard Has Passed Credit Cards To Mercers Debt Collections
I had received a bunch of text messages from Barclaycard this week stating that I needed to make a payment ASAP to get my account up-to-date otherwise they would be forced to pass the debt onto a debt collection agency.
As I’ve already stated to Barclaycard in writing, I cannot afford to make the minimum payments on my cards as I’m not earning much money, so instead am paying a small amount each month so that they always receive some form of payment.
As a result of my not having responded to these various text messages, I got a phone call on Thursday evening from Mercers Debt Collections, who are dealing with my accounts on behalf of Barclaycard. I spoke to a very nice woman who was quite sympathetic to my reasons why I couldn’t afford the normal payments on my cards and she said they may be able to offer me a settlement figure.
Now given that last month (October) I had already settled one of my Barclaycard accounts for around 30% of the balance, I was expecting this lady from Mercers to be aware of that figure, and come up with something similar for the accounts she was dealing with – I have two remaining Barclaycard accounts, one was a Sky card that was transferred to Barclaycard.
After discussing with her manager for five minutes, she came back with figures for each account. I wasn’t massively impressed – she was only offering a 20% discount on each account – this would still leave me needing to find 80% of the balance, a figure I just don’t have access to.
I explained that I would politely decline the offer, and she then stated that I should try and get onto a professionally managed debt management plan, and she gave me a number for a company.
I asked her then when the accounts would be passed to Calders Financial, as they were the debt collections agency I dealt with on the settlement last month. She stated that as the account was only three months in arrears, it would be another three months before it was passed to Calders, and so the waiting begins…
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