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Moon phases

Barclaycard Mercers Default Notices Are Invalid

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Barclaycard Mercers Default Notices Are Invalid

Post by Kestrel on Mon Oct 15, 2018 9:29 pm

Barclaycard Mercers Default Notices Are Invalid...or so it appears:

The Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983
2.—(1) Any notice to be given by a creditor or owner in relation to a regulated agreement to a debtor or hirer under section 76(1) of the Act (which relates to the duty to give notice to the debtor or hirer (non-default cases) before taking certain action to enforce a term of an agreement) shall contain—

Did you receive a Default Notice from Barclaycard or its in house collectors Mercers Debt collection?
Mercers issued Default Notices on its own letter head not Barclays and so were invalid.

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Re: Barclaycard Mercers Default Notices Are Invalid

Post by Kestrel on Tue Oct 16, 2018 10:52 pm

More info here:

Though a creditor can not reissue a default if they have sold the account after issue the Invalid Default. As th following case law prevents them doing so -

Failure of a Default or Termination Notice to be accurate not only invalidates such notice (Woodchester Lease Management Services Ltd v Swain & Co NLD 14 July 1998 but it is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt (Wilson v First County Trust Ltd (2003) UKHL 40, Wilson V Robertsons (London) Ltd(2006) EWCA Civ 1088, Wilson v Pawnbrokers (2005) EWCA Civ 147) - but would also give the claimant a claim for damages in the sum of £1000 (Kpohraror v Woolwich Building Society (1996) 4 All ER 119). Basically once the original creditor has sold the account the agreement under the consumer credit act ceases to exist, as defaults are issued under the agreement, then since the agreement not longer exists no default notice can be reissued and it becomes a matter of the creditor having then unlawfully rescinded the contract/agreement. Only way a creditor can get issue a new default when the account was sold, is if they buy back the account AND the debtor has also agreed to the agreement being reinstated (which lets face whos going to be stupid enough to agree to that lol) - So when people come to me and they have invalid default notices i advise them simply to wait till the creditor sells the account before mentioning it.

Though if the original creditor has not sold the account, then the agreement still exists and as such they are able to reissue a default notice to remedy the original invalid one - BUT only if they are the original creditor and they own the account and have not sold it on to a 3rd party like a DCA.

Heres some great reading for you -

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