SectionsHappy Birthday 
Mercers are part of the Barclays group as V has already stated. However they are a limited company in there own right and IMHO the default notice is not valid for 2 reasons.
1) Mercers are only...
All depends on the FSA, so don't count on it just yet...
http://www.dailymail.co.uk/news/article-1256687/Banks-forced-pay-4bn-mis-sold-insurance-scam.html
Has A & L applied to the court to lift the stay?
Vic, I have removed the attachment since the first page showed your name and address. Please edit your agreement and I would also remove your signature, before reposting up.
On the day that both my kids reached 18, the door mat was covered in credit card and loan application forms. The banks and finance companies brought all this on themselves, throwing money at all and...
Its more difficult nowadays and requires a lot more work since the Supreme Court judgement. One or two cases are starting to trickle through though, and we wait to see how they pan out before moving...
Mercers are part of Barclaycard, although they pretend to be separate.
You have 2 default Notices and a threat to visit. Mercers rarely - if ever - visit, though they do threaten this and you...
Yep, I have taken out the bits about ID as you should not need it they know who you are and are happy to send you statements etc.
[Your Name / Address]
[Original Creditor / Address]
...
Is this the one?
http://www.penaltychargesforum.co.uk/showthread.php?52028-Full-Subject-Access-Request-SAR
Recent Comments
EVERYBODY SHOULD READ THE LAST TWO (2) POSTS !
thanks E10 !
Mrs Fxxxx sees that I saved her nearly £8000 defandant's fees and obtained £480 refunded bank...
On reflection, I think the only way an unfair charges claim can be substantiated is when at least...
On reflection, I think the only way an unfair charges claim can be substantiated is when1.
I don't know each case as they are all different but if you manage to get past the strike out...
can i join your Club ?
how do i become a Band B fee earner ?
sounds like a job i could really...
Thanks for your support Varangian.
I've never come across such an appalling behaviour from a...
Thanks for sharing this with us. Although your case is an unusual one, there may be some material...
I must add that once I read the counsel's sleleton argument for the hearing, which made reference...
Member fights off strikeout application for bank charges claim. A member has successfully fought off a strikeout application today, where Yorkshire Bank was asking the court to dismiss the claim for the return of unfair and unlawful bank charges. Member Claire H, from Rotherham, has been managing the claim for a friend and the case was stayed due to the recent Test Case. That case ended in November, with the shock decision by the Supreme Court that the regulator (the OFT) can no longer regulate on the unfair charges using the main features of the statute designed for that purpose. This has left more than a million claims pending, either filed with the courts or as requests for refunds directly to the banks. ...
NEW defence/response against strikeout applications Penalty charges - the leading penalty charges website - launches a new defence/ responce template against strikeout applications made by the banks. These relate to bank charges claims by members that were stayed by the courts due to the recent Test Case. Now that the Test Case has ended without a solution to the stayed claims - and the OFT has left millions of Consumers fighting for themselves - the banks are already approaching the courts trying to get the claims struck out. We have taken some time on this defence/responce, to make sure that it packs the required punch, and doubt that any judge will strike out a claim with this full defence/responce. This defence will enable members to amend their Particulars of Claim to include all the new legal arguments, in view of the recent judgment in the Supreme Court. ...
The Judgment handed down by HHJ Waksman QC in Carey v HSBC Bank Plc [2009] EWHC 3417 (QB) on 23rd December 2009 has conclusively confirmed the basis upon which a consumer may claim that their Credit Agreement is Legally Unenforceable. The Judgment by HHJ Waksman QC has clarified a number of points in respect of credit agreements, in making an executed agreement, if it fails to conform to requirements made by regulations as to form and content it will be an improperly executed agreement. Further, the banks will be required to provide a, True Copy, when disputing any breach of the Consumer Credit Act. ...
Penalty Charges regrets the recent decision by the OFT that it will no longer be continuing its case into the fairness of bank charges, following the bizarre judgment handed down by the Supreme Court in November. This decision has let down millions of victims of these charges, who have already been denied justice since July 2007, while the banks have remained free to continue levying the charges. ...
The Office of Fair Trading has confirmed that unless something onforeseen happens in the interim, it will be making... ...
While the OFT considers whether to restart its litigation against unfair bank charges, the plight of some customers seeking repayment of bank charges is growing considerably worse.
The recent shock decision by the Supreme Court that the Office of Fair Trading (OFT) could not investigate the fairness of bank charges under one of the regulations has stalled consumer efforts to regain their money
...
Penaltycharges is proud to have this on our home page, We must stress Pc had nothing to do with the making of this. ...
Happy Birthday
Mercers are part of the Barclays group as V has already stated. However they are a limited company in there own right and IMHO the default notice is not valid for 2 reasons.
1) Mercers are only...
All depends on the FSA, so don't count on it just yet...
http://www.dailymail.co.uk/news/article-1256687/Banks-forced-pay-4bn-mis-sold-insurance-scam.html
Has A & L applied to the court to lift the stay?
Vic, I have removed the attachment since the first page showed your name and address. Please edit your agreement and I would also remove your signature, before reposting up.
On the day that both my kids reached 18, the door mat was covered in credit card and loan application forms. The banks and finance companies brought all this on themselves, throwing money at all and...
Its more difficult nowadays and requires a lot more work since the Supreme Court judgement. One or two cases are starting to trickle through though, and we wait to see how they pan out before moving...
Mercers are part of Barclaycard, although they pretend to be separate.
You have 2 default Notices and a threat to visit. Mercers rarely - if ever - visit, though they do threaten this and you...
Yep, I have taken out the bits about ID as you should not need it they know who you are and are happy to send you statements etc.
[Your Name / Address]
[Original Creditor / Address]
...
Is this the one?
http://www.penaltychargesforum.co.uk/showthread.php?52028-Full-Subject-Access-Request-SAR
Thanks for your support longlostpoet. Please accept that my comments are only opinions and based...
BANKS LOSE FIRST BATTLE IN COURT AGAINST PC MEMBER
englander10 on Mar 7th 2010