Marlings UE diary

[The Tech Clerk]

Re: Marlings UE diary

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

Sounds like a freds stupid letter

[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.
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
3/12/13 marlin fs - sent one page cca request reply - emailed niddy

cca letter from marlin financial services - emailed niddy

[marling]

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

two letters arrived from capquest today re my CCA request

they have requested a copy of statement and agreement from Lloyds banking group, the account has been placed on hold until the 15 march 2014,

so sit tight and wait for next reply

[Pixie]

Re: Marlings UE diary

My LTSB was sold to capquest and I sent a new cca request at the beginning of November. Still waiting....

[marling]

Re: Marlings UE diary

My LTSB was sold to capquest and I sent a new cca request at the beginning of November. Still waiting....

fingers crossed here then

[SaltnVinegar]

Re: Marlings UE diary

fingers crossed here then

Yes mate - balls in their court now

[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

letter from sigma with five attatched pages of statements from bank current account, asking me to contact collections team.

wait and see what they do next

[Never-In-Doubt]

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.
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
3/12/13 marlin fs - sent one page cca request reply - emailed niddy

cca letter from marlin financial services - emailed niddy

Hiya really sorry for the delay, we've had a few email issues (all sorted) - they have only sent the main agreement, but this agreement clearly links to term 5 overleaf which is missing as there are no terms attached in which case I'd send this back --> http://www.all-about-debt.co.uk/old/...escribed-terms

[marling]

Re: Marlings UE diary

Hiya really sorry for the delay, we've had a few email issues (all sorted) - they have only sent the main agreement, but this agreement clearly links to term 5 overleaf which is missing as there are no terms attached in which case I'd send this back --> http://www.all-about-debt.co.uk/old/...escribed-terms

hi niddy
no problem, thanks for reply.
in a PM i sent you i mentioned marlin had sent me a "notice of change of agent"(emailed copy to you with CCA) appointing mortimer clarke solicitors to take recovery action,
as yet not recieved anthing from mortimer clarke. should i be sending "missing prescribed terms" to marlin now as they have passed the account onto mortimer clarke ?
await your advice please niddy
many thanks
marling

[Never-In-Doubt]

Re: Marlings UE diary

Hmmmm I'd send it to marlin ASAP

[marling]

Re: Marlings UE diary

Hmmmm I'd send it to marlin ASAP

todays post letter from mortimer clarke solicitors.
main 2 pages attatched, also includes a direct debit mandate & monthly expenditure sheet to fill in.
as i may have mentioned in an earlier message i am presently unemployed at the moment, likely to be self employed again in about four months time.
if they did go for CCJ thats not a bad thing is it as i would not be able to pay anything of any note back ?
can i wait for your re-evaluation please niddy
many thanks
marling

[marling]

Re: Marlings UE diary

private messaged niddy
cheers marling

[Grassy_K]

Re: Marlings UE diary

Grrrr that Mortimer Clarke letter makes me so mad.... "Your employment prospects may be affected" - yes, you're up s**t creek in debt, and we'll make sure you always stay that way and can't even get a decent job in the future?? Outrageous!! How exactly is that going to help them get repaid? Sorry I can't offer advice Marling, but best of luck with this.. there but for the grace of God (and Niddy's help)...

[The Tech Clerk]

Re: Marlings UE diary

Grrrr that Mortimer Clarke letter makes me so mad.... "Your employment prospects may be affected" - yes, you're up s**t creek in debt, and we'll make sure you always stay that way and can't even get a decent job in the future?? Outrageous!! How exactly is that going to help them get repaid? Sorry I can't offer advice Marling, but best of luck with this.. there but for the grace of God (and Niddy's help)...

forward that letter highlighting that comment to the Regulator I would. as a formal complaint ?

[Never-In-Doubt]

Re: Marlings UE diary

How much is owed on this account?