Mercers Keep Ringing Me On Behalf Of Barclaycard
These last few days, since about the 27th December, I’ve had various phone calls from Mercers trying to discuss my debts with them. I can’t believe that despite the fact that I’ve already settled one of my Barclaycard accounts for 32% of the outstanding balance, Mercers still seem to think that my situation will improve miraculously and I’ll be able to pay them back the full amount on these two other debts.
Last time I spoke with them, before christmas, I spoke to a nice chap who seemed to be just wanting to go through the motions. He asked me if I could pay more on my debts, I told him the £1 a month I was already paying on each debt really was a much as I could afford. I then explained all of my outgoings so he could understand why I couldn’t afford to make a bigger payment.
He then checked that they had all of my contact details correct. I assured him that my contacts hadn’t changed and that if they were to change, I would inform them of any changes.
After this he enquired as to whether I could get onto a debt management plan, I informed him that I had already spoken to various debt management companies and not been able to setup anything.
The last thing he then said was that as I wasn’t able to pay more, he would give me a couple of weeks to discuss my situation again with a debt management company. I informed him that I would.
He then ended the conversation with what was the most weak threat I have ever heard. He said that if I couldn’t get a debt management plan in place, they would have to send out a door-step collector. I asked why they needed to do this. His reply was just to discuss the situation with me face to face.
I then informed him that I didn’t see what the point of sending someone out to see me would be as I had already given them all the facts, so by sending someone out to see me wouldn’t materially change the facts, it would just be a waste of time and money for them. I don’t mind, the more money they waste not getting anywhere with my debts the sooner they will come to their senses and be prepared to settle the balance. I predict that February they will have gotten to that stage, roll on Feb!
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