marlin /barclaycard letter

[Undercover Elsa]

Re: marlin /barclaycard letter

The OC's have a responsibility to ensure that anyone they pass the debt on too abides by the rules, otherwise their own fitness to hold a licence can be called into question.

2.4 If licensees (or those operating under cover of an appropriate group licence) choose to do business (or continue to do business) with third parties whose conduct is inconsistent with fitness to hold a licence, then their own fitness may be called into question.
2.5 'Licensed businesses' cannot ignore the unfair or improper practices of others instructing them or acting on their behalf. It is not for the OFT to be prescriptive as to how choices about third party selection are made. However, we would expect to see that care has been taken in the selection process, complaints about such third parties are properly investigated, and effective action is taken as necessary to ensure that similar problems do not recur.
2.6 Similarly, licensees must ensure that third parties with which they do business are appropriately licensed to engage in any licensable activities undertaken in the course of their business.

[mgfboy]

Re: marlin /barclaycard letter

The OC's have a responsibility to ensure that anyone they pass the debt on too abides by the rules, otherwise their own fitness to hold a licence can be called into question.

The problem always come in the fact that we do owe the money and the fact that we can't or wont pay it, takes away a lot of the public sympathy. Also if everybody in the country did what we have done, the whole county would go down the toilet even more than it has!!!! I think this is why the courts tend to be more forgiving of the lenders/DCA etc than us.

[julian]

Re: marlin /barclaycard letter

Not dumbing down responsibility, I offer...

So we owe money, but why? Normally because we took out a card that was 'forced' on us. Dear Sir/Madam you have been selected for..... We enclose .... We have raised your credit limit.....

Also most transactions now require a debit/credit card as they no longer have local offices to cut costs. As Debit cards require a pre-existing bank account, and credit cards don't they are in some cases the only option.

The courts are not there to line the pockets of 3rd party Shylocks. They are there to administer justice. If the original creditor does not care to go through the process of law, as, many times, they have not executed their part of the contract properly, why should the courts rule in the favour of Shylocks?

[mgfboy]

Re: marlin /barclaycard letter

Not dumbing down responsibility, I offer...

So we owe money, but why? Normally because we took out a card that was 'forced' on us. Dear Sir/Madam you have been selected for..... We enclose .... We have raised your credit limit.....

Also most transactions now require a debit/credit card as they no longer have local offices to cut costs. As Debit cards require a pre-existing bank account, and credit cards don't they are in some cases the only option.

The courts are not there to line the pockets of 3rd party Shylocks. They are there to administer justice. If the original creditor does not care to go through the process of law, as, many times, they have not executed their part of the contract properly, why should the courts rule in the favour of Shylocks?

True they did make it easy, but I for one should have know better and as I said before I feel a little guilty over my actions. I think we do have to take some responsability of our actions, but if the lenders played
the game and gave people a chance to sort thing out, I for one would never have gone along the UE because in the end the effects on my family have been wide ranging.

[julian]

Re: marlin /barclaycard letter

I don't think there are many using this forum that do not feel guilty. We do have a conscience, but that does not make Shylock nice.

As in The Merchant of Venice, we had every intention and means of paying it back when we started, then unexpected stuff got in the way. They bet on us not/repaying by charging high interest rates. We did not bet on family tragedies, illnesses, loss of jobs and redundancies.

They, finding the debt due according to their rules, did not listen to reason but wanted the pound of flesh closest to the heart and worked outwards, increasing interest and worry.

It has been said many times that if they had not been so spiteful and vicious the worm would not have turned.

I also concur with the wide-ranging impact on families and health. Debt takes over you life and everything around it.

[Scrappy Coco]

Re: marlin /barclaycard letter

Evening all,

I also received a letter from BC today advising Marlin had taken over the account.

This is for an old egg account that I haven't had any contact with for nearly 2 years.

Only 2 years to go and its SB if I can keep them away.

I agree with everyone, I had every intention of paying it all back but losing jobs as so many did put a spanner in the works and put paid to that plan for thousands of people.

We are the masters of our own destiny but when the odds are completely stacked against you with no get out clause then your fucked and you take whatever steps are required to protect yourself.

You must remember we weren't so fortunate to have to taxpayers of this country to bail us out unlike the banks. They gambled with our money and lost and yet they somehow still won.

If Egg had been more understanding when I informed them I had lost my job I wouldn't be in this situation now. But no, they decided to up my interest rate 10% knowing full well I was skint.

So in my book serves them fucking right the greddy arse bastards.

I personally think that if Egg had any leg to stand on they would have gone after the thousands of people who told them to go get fucked. They didn't, why? because they knew they had messed up with their agreements. Why Barclaycard agreed to buy up these accounts is beyond me and now you have Marlin buying up accounts that they possibly won't be able to collect on if you push it hard enough. Just my 2 pennys worth

Thanks as always

Scrappy Coco

[Undercover Elsa]

Re: marlin /barclaycard letter

We're collating information about Marlin's Activities here:

Marlin Mass Purchase of Barclaycard Debts

Elsa x

[mgfboy]

Re: marlin /barclaycard letter

Cool

Well my letter I sent them asking to prove the debt has been recieved by them, it will be interesting to see what happens.

On another note do we know if Marlin has been snoping on here if so it might be worth moviing the whole lot to the secured section.

[Free]

Re: marlin /barclaycard letter

Same for me I also received a letter from BC today advising Marlin had taken over the account.

No mention that this is Egg account and I do not recognise the acc number that they are quoting.

I have had no CCA despite asking for this in Dec 2008.

Last paid Dec 2008 default March 2008

[marypoppins]

Re: marlin /barclaycard letter

Same for me I also received a letter from BC today advising Marlin had taken over the account.

No mention that this is Egg account and I do not recognise the acc number that they are quoting.

I have had no CCA despite asking for this in Dec 2008.

Last paid Dec 2008 default March 2008

My letter didn't mention Egg and I didn't recognise the number quoted. The only way I figured it was Egg was by the balance quoted.

[Free]

Re: marlin /barclaycard letter

Hi,

Yes this was the same for me.

Lets see whats next from them