Malamute UE Diary

[ken100464]

Re: Malamute UE Diary

Lowell searched us on the 30/4.

Have two accounts they could have been looking at but we will see.

Or they could just be looking for a larf cause they can.

Who knows wth this industry.

[malamute]

Re: Malamute UE Diary

Ok so here's an update:

My HSBC loan is now under Marlin on my credit report - balance correct but default date is wrong but only by a few days.


.... But the CCA request is still outstanding.

Not sure if this is normal to take so long in renaming the account in credit file - not sure if its a sign they've got the paperwork.

Still going to wait for the letters etc. as they aren't calling me at all.

[Pixie]

Re: Malamute UE Diary

Try not to look at your credit reports...it alerts creditors/dcas. I haven't looked at mine for almost 3 years.

[MrsD]

Re: Malamute UE Diary

me neither

[Enforcer]

Re: Malamute UE Diary

Never looked at my credit report, why bother, it's trashed anyway!

[malamute]

Re: Malamute UE Diary

I only started looking at em recently - ill never be getting unsecured debt again but it's just that all defaults are due off in next 9 months and wanted to keep info correct in time for a mortgage we want end of 2014 beginning if 2015.

[malamute]

Re: Malamute UE Diary

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED

News on this one:

Letter from Lloyds confirming that the account has been passed to Lowell Portfolio
Letter from Lowell asking for payment.

..... Sold in dispute?

[Deepie]

Re: Malamute UE Diary

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED

News on this one:

Letter from Lloyds confirming that the account has been passed to Lowell Portfolio
Letter from Lowell asking for payment.

..... Sold in dispute?

or you can ignore it, and see what they send next......

[malamute]

Re: Malamute UE Diary

Updated account diary:

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED
July 2013 - New DCA - Lowells! Ignored welcome letter.
July 2013 - Letter from Lowells asking for payment - sent sold in dispute letter
August 2013 - Letter from Lowells confirming receipt of my letter and that they have asked lloyds for documentation - account on hold.....

Going to sit and wait on this one..........

[Rascaljesse]

Re: Malamute UE Diary

Sub.

[malamute]

Re: Malamute UE Diary

:

Lloyds Amex credit card - Robway - Feb 2007
Balance £1995 defaulted Jan 2009
August 2011 – Sent CCA Request
August 2011 – Here’s your £1 back – SentCCA Reminder - Unenforceability Threat
Sept 2011 – "account on hold whilst copy of cca is requested from original lender"
Oct 2011 - "we have not had a response from the lender and will inform you when we do so"
Oct 2011 - Robway send it back to Lloyds
Dec 2011 – New DCA! – Wescot demanding full payment…….sent > Account Sold whilst in Dispute
Dec 2011 Letter from Wescot demanding payment in 10 days - Final Notice - IGNORED
Jan 2012 Letter from Nelson Guest & Partners offering a 50% discount if paid in 10 days...... - IGNORED
February 2012 - Nelson Guest & Partners now want full payment within 10 days - IGNORED
Feb 2012 Doorstep Collection threat - sent Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit
Feb 2012 - Letter from wescot just remind me of account being passed and reminding me to contact them - IGNORED
Mar 2012 - New DCA!!! Letter from Credit Security Limited on behalf of Wescot demanding payment within 7 days - IGNORED
March 2012 - Letter from CSL demanding immediate payment! - IGNORED
April 2012 - Letter from CSL offering over 60% discount if paid within 7 days - IGNORED
Sept 2012 - Letter on Lloyds TSB headed note paper with Wescot address info - giving a list of all payments made since default. - IGNORED
July 2013 - New DCA - Lowells! Ignored welcome letter.
July 2013 - Letter from Lowells asking for payment - sent sold in dispute letter
August 2013 - Letter from Lowells confirming receipt of my letter and that they have asked lloyds for documentation - account on hold.....

Going to sit and wait on this one..........

ok so ignored them -

equifax have alerted me to my lloyds account having been settled - owing zero.......waiting for the next letter...................

[malamute]

Re: Malamute UE Diary

Random question....... If marlin have an account and its a joint account - joint loan in our case.... Should each account holder send a CCA request or is one from one account holder sufficient ??

[helmsman]

Re: Malamute UE Diary

Random question....... If marlin have an account and its a joint account - joint loan in our case.... Should each account holder send a CCA request or is one from one account holder sufficient ??

Hi,
Good ? but I would suppose if it is a joint application you would both signed the original, so save a £ and send 1 request, unless someone with more knowledge (that wont be hard to find) suggest you both need 1.
Good Luck.

[SXGuy]

Re: Malamute UE Diary

I think the reason behind the question was probably, whether marlin would issue a claim against one of them, while remain in default from a CCA Request with the other.

[malamute]

Re: Malamute UE Diary

I think the reason behind the question was probably, whether marlin would issue a claim against one of them, while remain in default from a CCA Request with the other.

Yes that's what I was thinking - we been writing to malin from hubby and they are in default of cca and have removed the account from his crf and now the loan is only on mine with new default date and they reporting on it monthly.

i know people say dont worry bout the crf but found it at times with ome dcas to be useful indicator....

just made me curious...