Marlings UE diary

[marling]

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

[MrsD]

Re: Marlings UE diary

I would for the moment

[marling]

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

[MrsD]

Re: Marlings UE diary

wait until they contact you

[marling]

Re: Marlings UE diary

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

[MrsD]

Re: Marlings UE diary

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

[marling]

Re: Marlings UE diary

(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.

letters form both nram(northern rock) & marlin europe V limited
stating that marlin europe v have been assigned right & title to loan from northern rock

i am correct in ignoring for time being

cheers marling

[marling]

Re: Marlings UE diary

glad ive looked into the barclays accounts as it looks as ive made a few errors in my notes.

1. barclays current account overdrawn £1.6k .......... i was with CCCS for a short term paying £55 a month to all debts(except debenture) , so i did make token payments the last being september 2009 via CCCS.
also i have been wrongly quoting niddys post #36 this is against the debenture and not this barclays current account, niddy did tell me post #35 to send CCA request which unfortunately i didnt.

so am i ok to send CCA request as per your post #206 ? and if so who to barclays or sigma ?
barclays letter quotes:
we hereby give notice of the assignement of the debt due to us from you in respect of the balance of £1600 outstanding on your account.
on 31/7/13 your account was sold to sigma spv1 limited.

2. barclays debenture £10k................
token payments were never made via CCCS for this account, i will check up on when my company went into liquidation and the debenture kicked in

hope ive cleared things up lol

[marling]

Re: Marlings UE diary

Niddy's post #36 was made 2 years ago when there had been no contact re this account. Out of curiosity, you say the last full payment was in early 2008...did you make token payments after this? If so, when did you stop them? If those payments in early 2008 were the last payments at all, then obviously it isn't that far from being SB which may explain why you've heard from sigma.

I would send the cca request for ODs http://forums.all-about-debt.co.uk/s...l=1#post159405

thanks pixie

this was my current account which i stopped using when my company went bump(same bank barclays) , i never made any token payments to this account, let me dig my statements/files out and see when last action was. also i had a debenture for business of £10k (please see post #13) since 2008 i have never recieved anything form barclays/DCA re this account.
will post back when i get info pixie.
many thanks
marling

[Pixie]

Re: Marlings UE diary

Niddy's post #36 was made 2 years ago when there had been no contact re this account. Out of curiosity, you say the last full payment was in early 2008...did you make token payments after this? If so, when did you stop them? If those payments in early 2008 were the last payments at all, then obviously it isn't that far from being SB which may explain why you've heard from sigma.

I would send the cca request for ODs http://forums.all-about-debt.co.uk/s...l=1#post159405

[marling]

Re: Marlings UE diary

did you send the SWID that Pix suggested?

and if you did, have they replied apart from the mailshot mentioned above?

hi mrsd
no i havn't sent SWID yet, when i clicked the link to pixie's kind reply #200 the first line reads qoute :

I write with reference to the above numbered account. I would like to point out that this account is formally in dispute with [Enter Original Creditor] and has been since they failed to acknowledge my Consumer Credit Agreement (CCA) Request, in line with The Consumer Credit (EU Directive) Regulations 2010 and also c.39 (s.74 (A&B) (VA)) CCA(1974).

as i mentioned in post #202 i am yet to send a cca request to this barclays overdraft re niddys advice post #36, sigma have only got in touch the last few months.
so my point is am right in sending a SWID to sigma when i have not sent a CCA in the first place ?
hope ive explained ok mrsd & pixie
thanks for help
cheers marling

[MrsD]

Re: Marlings UE diary

did you send the SWID that Pix suggested?

and if you did, have they replied apart from the mailshot mentioned above?

[marling]

Re: Marlings UE diary

[QUOTE=marling;345887]

Just realised this is a current account. I'll have a look for SH's version of SWID for overdrafts. You'll find it here

hi pixie
another letter from sigma................ the matter will not go away blah blah blah................please contact them
re your post of above of the SWID, i have never sent a cca request to them when i started out (see niddy post #36) as i had had little contact, sigma have only been in touch last few weeks since credit solutions had account two years ago.
could i have some advice re this account please.
thanks in advance
marling

bump .... any advice on above please

[marling]

Re: Marlings UE diary

[QUOTE=Pixie;338134]Just realised this is a current account. I'll have a look for SH's version of SWID for overdrafts. You'll find it here

hi pixie
another letter from sigma................ the matter will not go away blah blah blah................please contact them
re your post of above of the SWID, i have never sent a cca request to them when i started out (see niddy post #36) as i had had little contact, sigma have only been in touch last few weeks since credit solutions had account two years ago.
could i have some advice re this account please.
thanks in advance
marling

[marling]

Re: Marlings UE diary

acct#8 northern rock
letter from nram(northern rock) stating they have recalled file back from dca and have returned it to there internal loss recovery unit, they are going to monitor my account and present circumstances before taking what action is neccessary.
days later........ letter from allied (aic) offering me 50% discount