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  • Re: Marlings UE diary

    Originally posted by MrsD View Post
    just be careful with marlin, when they make contact, I might be tempted to get off another CCA, just to make sure marlin know it's in dispute

    worth noting that although Niddy deemed it enforceable, NRAM were offering a 50% discount, so they are NOT sure
    ok thanks for opinion, marling europe have said marling financial service will be dealing with the account, shall i wait for them to contact me first before sending cca request or just send one out to marling europe now ?
    many thanks Mrs D

    Comment


    • Re: Marlings UE diary

      wait until they contact you

      Comment


      • Re: Marlings UE diary

        barclays overdraft
        letter from sigma in reply to cca overdraft request

        we acknowledge your request for a true copy of your agreement which you are entitled to recieve under section 77/78 of cnsumer credit act 1974, however as the above balance relates to a current account previously held with barclays bank, there will be no signed agreement. we have requested a copy of your statements of account, which will provide sufficient proof that the above balance remains outstanding, upon receipt these shall be forwarded onto you.

        shall i wait for now and see what they do next ?

        cheers marling

        Comment


        • Re: Marlings UE diary

          I would for the moment

          Comment


          • Re: Marlings UE diary

            letter from marlin financial services re north rock
            asking to arrange payment plan and to call them , should i re send a CCA request as MRSD mentioned in post #210 ?
            cheers marling

            Comment


            • Re: Marlings UE diary

              absolutely

              Comment


              • Re: Marlings UE diary

                another reminder letter from marlin fs with threat of doorstep visit,so ive added harassment threat letter to CCA request envelope

                Comment


                • Re: Marlings UE diary

                  sounds good!

                  Comment


                  • Re: Marlings UE diary

                    Originally posted by marling View Post
                    (8) Northern rock loan

                    start : 2/1/2007 is this ok ?
                    bal : £5800
                    last full : may 2008
                    present : not paying
                    status : unsure of situ
                    dca : nram

                    2008
                    july n rock - request state of affairs
                    july n rock - rec cccs letter
                    dec n rock - failed to maintain agreement
                    2009
                    may n rock - taking steps to default
                    july n rock - statement - with bad debt write off on it - £5.755.93 **** ?
                    2010
                    jan n rock - failed to pay
                    may n rock - statement - full amount again
                    apr allied int credit - calling card
                    june aic - 50% offer
                    2011
                    jan aic - final notice
                    mar aic - 50% offer
                    apr aic - offer
                    3/9/11 - cca request sent
                    sept aic - re-send to north rock
                    15/9/11 - cca re sent to nrock
                    21/11/11 nram - i have missed contract payments
                    2/12/11 nram - cca recieved
                    13/12/11 ////////////// ENFORCEABLE
                    11/9/12 nram - contact required letter.
                    2/3/13 nram - account passed to allied
                    2/9/13 nram - account recalled from allied for nram debt loss unit.
                    9/9/13 allied - 50% settlement offer.
                    25/10/13 nram - account passed in full to marling europe
                    25/10/13 marlin europe - account passed to them
                    21/11/13 marlin fs - reminder - doorstep threat
                    26/11/13 cca request sent to marlin fs + harassment threat letter
                    reply from marlin fs re cca request sent to them
                    one page only photo copy sent
                    "emailed niddy"

                    Comment


                    • Re: Marlings UE diary

                      Originally posted by marling View Post
                      (2) Lloyds credit card
                      started off as an easymoney card then taken over by lloyds.

                      start : not sure / pre 2007
                      bal : £6000
                      last full : may 2008
                      present : £5 door colection
                      status : default(have letter)
                      dca : moorcroft

                      2008
                      oct sechiari clark mitchell - court proceedings
                      dec mha collections - referred
                      2010
                      mar wescot - instructed
                      apr wescot - final notice
                      apr wescot - 50% discount
                      oct hl legal collect - instructed by apex credit
                      2011
                      apr midas credit - litigation / part of moocroft
                      1/9/11 cca request sent
                      sept moorcroft - re send cca request signed
                      15/9/11 re sent cca - with demand sig
                      19/11/11 they recieved cca
                      26/9/11 forwarded to clients - will re chase debt
                      5/11/11 moorcroft - saying lloyds have given me information - nothing recieved by me.
                      3/1/12 moorcroft - auditors asking me to agree by balance and last payments paid
                      9/1/12 wescot - notice of debt collection
                      20/1/12 wescot - final notice
                      4/2/12 nelson - 50% offer
                      3/1/13 lloyds - account passed to mackenzie hall
                      25/7/13 capquest - saying account has been SOLD to them
                      24/12/13 capquest - debt has been returned to capquest
                      letter from capquest below
                      still not received anything re cca request from sept 2011
                      could you give me help/advice please ?
                      cheers marlingClick image for larger version

Name:	cap1.jpg
Views:	1
Size:	135.4 KB
ID:	1399358

                      Comment


                      • Re: Marlings UE diary

                        Hi Marling

                        I think you should treat this seriously, especially as they have made a threat against your home with regard to a charging order.

                        Best thing you can do, as they are a 'new' creditor (as in purchased the debt), is to get a new CCA request sent off immediately (as in today or tomorrow), and this will then give you a little protection in the short term as they then have to provide an agreement. Its been over 2 years since the last CCA request so nothing wrong with issuing one to Capquest.

                        It should make them step back a little and chancing their arm on obtaining a default judgement.

                        Best
                        SnV
                        "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                        The consumer is that sleeping giant.!!



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                        Comment


                        • Re: Marlings UE diary

                          Originally posted by SaltnVinegar View Post
                          Hi Marling

                          I think you should treat this seriously, especially as they have made a threat against your home with regard to a charging order.

                          Best thing you can do, as they are a 'new' creditor (as in purchased the debt), is to get a new CCA request sent off immediately (as in today or tomorrow), and this will then give you a little protection in the short term as they then have to provide an agreement. Its been over 2 years since the last CCA request so nothing wrong with issuing one to Capquest.

                          It should make them step back a little and chancing their arm on obtaining a default judgement.

                          Best
                          SnV
                          thanks snv

                          in an accompanying letter should I be stating that an earlier CCA request has gone unanswered by Lloyds banking ?

                          cheers marling

                          Comment


                          • Re: Marlings UE diary

                            sent CCA request to capquest today
                            thanks for advice

                            Comment


                            • Re: Marlings UE diary

                              Originally posted by marling View Post
                              (5) Mint credit card

                              start : not sure / pre 2007
                              bal : £3000
                              last full : may 2008
                              present : £5 online payment
                              status : default(have letter)
                              dca : scotcall

                              2009
                              dec mint - dca threat
                              2010
                              feb wescot - referred
                              mar wescot - final notice
                              mar nelson guest solic - instructed by westcot
                              apr westcot - visit threat
                              apr credit security ltd - demand fro wescot
                              aug fredrickson - immediate payment
                              aug fredrickson - letter before action
                              sept bryan carter - proceedings letter
                              oct bryan carter - final notice
                              2011
                              feb regal credit - notice
                              mar regal cedit - 7 day notice
                              may scotcall - doorstep threat
                              june scotcall - i agree £5pm via online
                              1/9/11 cca request sent
                              sept scotcall - re-send to regal credit
                              15/9/11 cca re-sent to regal
                              15/10/11 recieved cca
                              21/11/11 UNENFORCEABLE
                              31/7/13 mint - account passed to westcroft
                              26/10/13 westcroft - reminder letter
                              letter from new dca called 2f ??
                              title is confirmation of residency
                              our enquiries indicate that I am a resident of the address, despite previous attempts we have not been able to contact you in relation to matter with royal bank of Scotland, please call them.

                              account unenforceable, should I just ignore for time being ?

                              thanks in advance
                              marling

                              Comment


                              • Re: Marlings UE diary

                                I would for the minute, they are just trying to scare you, don't let them

                                Comment

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