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What To Do If You Get A Nasty Letter or Phone Call From:

Mercers Debt Collectors

Flight Delay Compensation Claims


Mercers Debt Collectors is a debt purchasing company or debt collecting company listed in the site of DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collectors, but there is some indication that some such companies (not necessarily Mercers Debt Collectors), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.

So the first thing you must do if Mercers Debt Collectors are bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.

There are several courses that are open to you, and some will suit your own situation better than others.

A sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. There's more on this below.

For an alternative type of loan you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.

Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.

If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.

So apply for a debt management plan using the form below.









DPC Registry.



Name: Mercers Debt Collectors
Also Known As: Mercers Debt London, Mercers Debt Collections Ltd.
Address: Citypoint, 1 Ropemaker Street, London EC2Y 9SS
Also PO Box 55, Liverpool L32 8XX
Telephone: Not known
Fax: Not known
Email: Not known
Extra Data: Apparently these secretive people are owned by Barclays.


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Mercers Debt Collectors and the Truth About Your Debt

It is best to ensure that you know whether or not the debt collecting company has bought the debt themselves (as a debt purchasing firm) or whether they are doing recovery work on behalf of a client such as a loan company or bank (where they would pocket a proportion of recovered funds in commission). If a letter of assignment has been sent, which the law requires if the debt has actually been sold wholesale, then you will know that the debt collector is the owner of the account and will try to get as much out of you as they can. When dealing with Mercers Debt Collectors do bear in mind that every penny the collection agency gets is pure profit because they purchased the debt wholesale..

It is an option for you to question the validity of the debt by making a Subject Access Request as a reply to Mercers. The owner of the account (the bank or the debt purchasing company) must give you a fair signed copy of the original contract with the bank if that contract was made prior to 6th April 2007. When they fail to do this they are in breach of the law, and the debt is then said to be in dispute. While this situation exists they must not ask for any payment (if they do they are in breach of the act) and they are not allowed to sell it on (which many do nevertheless). As long as the alleged debt is in dispute it is said to be unenforceable, even by a judge. There's a series of letters available for this purpose. You can get a solicitor to do this for you, owing to the complexity of the law at certain points. There are also specialist legal and paralegal firms who have expertise in this area

Ask Mercers Debt Collectors for a copy of the original contract when you took out your loan or credit card.

To find out if you qualify for an IVA or can benefit from a debt management programme, try the IVA Test. It's free to apply, and again you are protected by the consumer laws regarding debt management at all stages. Click here to go to the application form.




More Data On Mercers Debt Collectors


If you have any information that you would like honest people to know about Mercers Debt Collectors then send us an email in complete confidence and we will try to corroborate it with the clowns involved.



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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


Registry of Debt Collectors


This Mercers Debt Collectors website is part of DPC Registry website group. All rights reserved. Complaints Against Mercers Debt Collectors.