CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

[closing]

Hi all.

Wonder if someone could kindly help. A few years ago (2007) I had an issue with Citibank that was never resolved. Well they did reply but on plain paper which was pretty useless.

The debt has been passed around many times since, Cabot claiming to have passed the debt on to another agency, then to Fire, then to Mackenzie hall and now it's ended up with Marlin Financial Services, who just happen to be a part of Cabot.

I've now been threatened with a CCJ so I'm wondering what the heck should I do now. All i can remember about this issue is this whole issue started at about 2007.

If anyone could help it'll certainly be appreciated.
Thanks

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Mortimer Clarke solicitors mean business. What's the date of that letter?

The good news is you had an "issue" with Citibank in 2007 which means you may have opened the account before April 2007. When did you open the Citbank account?

Have you ever sent Citbank, Cabot or McKenzie Hall a section 78 request for a copy of your agreement? If not then now may be a good time to send one to Marlin.

[closing]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

That was quick, thanks

Letter was dated 02/07/14. I've found the old card that I had and it was valid from 09/07 expired 09/10. I've not been in contact with any of the agencies that have been writing to me over the last few years (although Im wishing almost I took up the offer of when they slashed the debt to half)

I'll search out now the section 78 from the forums ;D

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Letter was dated 02/07/14. I've found the old card that I had and it was valid from 09/07 expired 09/10. I've not been in contact with any of the agencies that have been writing to me over the last few years

I'll search out now the section 78 from the forums

What you need to do is register again for the second time to access the new updated template letters on our linked website. Here's how to do that:

http://forums.all-about-debt.co.uk/s...l=1#post389442

Give it a couple of hours to fall into place because each registration is manually approved.

Once that's done you'll be able to download and send the section 78 request letter with a £1 postal order to Mortimer Clarke solicitors.

Send a PM to any of site team if you have a problem.

It's unlikely that Mortimer Clarke will have any idea when the account was opened so don't tell them. From what you say it looks like it may have been opened in September 2007 but I doubt they'll know that

[closing]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Whoops replied at the same time you did.

Re registered, just waiting for mods to let me know

Thanks plan B. I'll keep this thread updated as I go along as it might help people in the same boat as me. From wht I'm hearing Cabot / Marlin are pretty much tying up the market for stuff like this.

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Try as I might I cant find a good copy of a section 78 letter. Ive looked on the templates section of this forum. Says I dont have access so I've signed up (again??) and now ihave to wait for a admin. Do you have one that you could copy and paste so i can get it into the post tomorrow.

See my previous post which crossed with yours

[closing]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Sorry about the cross posting lol. Reply edited

Wow. a mods certainly burning the midnight oil tonight :d I'm in but cant see something specifically called a section 78 letter. Sorry to be such a dumbass

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

I'm in but cant see something specifically called a section 78 letter.

This is the letter you need http://www.all-about-debt.co.uk/inde...22-cca-request

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Wow. a mods certainly burning the midnight oil tonight

I burn the midnight oil every night. I'm a mother, we never sleep !

[PlanB]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

A few years ago (2007) I had an issue with Citibank that was never resolved.

. . . . . All i can remember about this issue is this whole issue started at about 2007.

What was the issue?

[closing]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Darn didn't see the reply there. From what I seem to recall I asked for a statement of some kind or specifically asking for proof of received payments. I heard nothing for a few weeks, got a letter from them on blank paper (can't remember what it was) then heard nothing for months and out of the blue the debt was passed on to one of many debt collectors.

It;s all so long ago I'm having trouble remembering things :-(

Thanks for the link to the letter as well ... Now I have to sort out my email alerts :-)

[closing]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Damn, just 1 day before they were too late for the 12 + 2 days deadline I get a letter today which says.

Out client can confirm that all documents in relations to the account have been requested, any will be forwarded directly to you upon our receipt.

Just a waiting game now to see what they come back with. I thought the letter I sent was specific to get the documents with 12 + 2 days and not just a response?

[MrsD]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

we've been waiting for some of ours for nearly 4 years, while they are looking (not necessarily finding) just looking, you are heading towards SB which is kind of the point of all this. So don't worry, sit back and see what comes next. The road to SB is full of waiting, you need to get good at it.

[TibetanMonk]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Good luck! I did a CCA request which lead to it being UE

[Never-In-Doubt]

Re: CitiBank to Cabot to An.other. to Fire Now Marlin & potential CCJ

Closing - you need to activate your account by clicking the activation email.