Marlings UE diary

[mauijim]

Re: Marlings UE diary

Welcome Marling you are in the right place.

I am also new but I have learned a lot in the last 3 months. I would offer the following that has helped me.

1. Perform all correspondence with creditors in writing only.
2. If you have not already done so then setup a lever arch file where you can keep all paperwork.
3. Send all mail Recorded delivery and staple all proof of postage to the letters.
4. Never speak with them via phone and ignore home viisits. Under no circumstances allow them entry to your home. I suggest sending Harassment by Telephone and also Harassment and threat of Doorstep visit(if they threaten a visit)This may seem like overkill but it gives you peace of mind valuable time to think and relax.
5. Listen to the advice from Niddy and his crew. Trust them 100% and follow their advice even if you feel unsure. if you do feel unsure then simply ask for clarification and then follow the advice. I have done so it has changed my life immeasurably for the better!
6. Relax.......this seems hard I know but having read your posts it appears your debts are on Credit Cards and/or loans. I would just ask are the loans secured?
7. Ask for advice and join in with the chat on the forum as it will help you to realise there is a life to be had and being in debt is not a crime!!

MJ

[marling]

Re: Marlings UE diary

its always good to build up a wee supply of their mistakes.
as for the CCAs, doesn't much matter what you have, much more interesting to see what they have!

ok, slowly getting hang of the site, will await info.
thanks for promt replies, even.
need a drink now lol

[MrsD]

Re: Marlings UE diary

its always good to build up a wee supply of their mistakes.
as for the CCAs, doesn't much matter what you have, much more interesting to see what they have!

[marling]

Re: Marlings UE diary

well done, it sometimes feels better just writing it down!

Niddy will be along, one thing I would ask, have you sent for CCAs at all or when you say you have the original agreement, is that your copy or one that they have sent you?

no, as yet i have done nothing at all, awaiting instructions.
in the case of halifax & egg i have my copies of the original agreement when i took the cards out ie : read this first cca 1974 & then sign form.

i also have interesting letter form northern rock loan dated 7/7/2009 giving me an up to date statement showing my payments via cccs(at the time) but also it has on it : bad debt write off : £5,755.93 , will this have any relevance ??

cheers marling

[MrsD]

Re: Marlings UE diary

well done, it sometimes feels better just writing it down!

Niddy will be along, one thing I would ask, have you sent for CCAs at all or when you say you have the original agreement, is that your copy or one that they have sent you?

[marling]

Re: Marlings UE diary

finally i have two provident loans at present that i am struggling to keep up payments on, your views please.

[marling]

Re: Marlings UE diary

(12) Wembley stadium

prefer to pm/email you on this one.

[marling]

Re: Marlings UE diary

(11) Barclays business debenture

start : late 1990's
bal : £10,000
last full : early 2008
present : not paying
status : unsure / very little contact
dca : none

2008
july barclays - demand
novem barclays - demand

[marling]

Re: Marlings UE diary

(10) Barclays current account

start : 1980's
bal : £1600 overdrawn
last full : may 2008
present : not paying
status : unsure
dca : credit solutions

2008
aug barclays - termination notice
2010
april consumer finance collect - outstanding
mar cdcs - final notice
june credit solutions - legal/doorstep threat
june power2contact - visit threat
june credit solutions - save offer
july credit solutions - notice legal proceed
2011
aug credit solutions - legal action
13/9/11 creditsol - forwarded request to barc
29/9/11 creditsol - asking for more account details.
24/10/11 creditsol - 50% settlement offer
15/8/13 barclays & sigma - account sold to sigma
9/10/13 sigma - letter asking me to start to pay monthly
11/10/13 cca overdraft request sent to sigma
9/1/14 sigma - copy of statements from last few years of account
4/6/14 bpo collections - sigma have instructed bpo to deal with account
13/10/14 pastdue - they have appointed by sig to collect debt
29/10/14 pastdue - do not ignore letter - ignored lol
14/11/14 pastdue - settlement offer
22/1/15 scotcall - make payment
31/1/15 Lowell - account sold by sigma
17/5/16 Lowell - pre legal assessment letter
2/6/16 Lowell - your account is escalating
16/6/16 Lowell - 40% discount
16/9/16 Lowell - can I offer £1 a day letter
4/11/16 Lowell - near 50% off letter

[marling]

Re: Marlings UE diary

(9) Rbs loan / ccj

start : not sure / pre 2007
bal : £13,000
last full : may 2008
present : £1 online payment
status : ccj
dca : none

[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
15/1/14 marlin fs - sent two page cca request reply - emailed niddy
12/3/14 marlin fs - change of agent letter - appointed mortimer clarke solicitors
21/3/14 mortimer clarke - threat letter of court proceedings & income outgoings sheet
22/3/14 missing prescribed terms sent to marlin financial services
22/3/14 niddy letter post #242 sent to mortimer clarke solicitors
29/3/14 mortimer clarke - will investigate complaint
10/5/16 cabot financial - reduce balance

[marling]

Re: Marlings UE diary

(7) Egg loan

start : not sure / pre 2007
bal : £6500
last full : may 2008
present : not paying
status : unsure of situ
dca : dlc

2009
feb egg - cccs default
2010
feb dlc - referred
feb dlc - land registery enq
mar dlc - court claim/ visit threat
2011
may dlc - £5 pm offer
june arrow global - assignment
june britanica recoveries
aug - failed to pay
1/9/11 cca request sent
20/9/11 dlc - reduce the balance offer
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca request sent to egg
22/12/11 arrow letter re recieving cca request, they will request documents from egg
12/1/12 egg return request saying i should contact arrow, arrow have previously said they are not the creditior, lol
28/3/12 enforceable
12/5/14 arrow - notice of assignment from britaninca recoveries
3/11/14 arrow - account transfer to allied international
29/12/14 arrow - early settlement 50%
27/2/16 arrow - transfer to Moorcroft
8/3/16 Moorcroft - account passed to them
6/4/16 Moorcroft - offer
4/5/16 Moorcroft - discount offer
31/7/16 capquest - taking over account - no repayment plan on record
29-8-16 capquest - havnt resolved outstanding balance letter

[marling]

Re: Marlings UE diary

(6) Capital one credit card

start : not sure / pre 2007
bal : £1800
last full : may 2008
present : not paying
status : default(have letter)
dca : dlc

2008
dec cap1 - cccs default
2009
jan fpc debt - contact
sept capquest - referred
sept hl legal solic - court threat / capquest
oct capquest - start litigation
nov capquest - letter before action
2010
jan capquest - visit threat
jan scotcall - visit threat
mar scotcall - final notice
apr cap1 - return of account
dec cap1 - sold acct to hillesden
2011
jan dlc - referred
feb dlc - notice of sum
feb aplins solic - instructed by hillseden
feb dlc - notice of debt recovery
aug dlc - notice of sum
1/9/11 cca request sent
sept dlc - annual statement
26/1/12 hillesden - dealing with request will reply in 21 days
26/1/12 mdb - 50% offer
11/8/12 dlc - still trying to get copy of cca from cap1 (nearly 1 year)
2/9/12 cputr2008 letter sent to dlc - recieved proof
5/10/12 lucas services - final demand letter
5/10/12 dlc - cca recieved
10/10/12 UNENFORCABLE
28/8/13 dlc - notice of debt survellance programme
13/11/16 dlc- 25% offer
16/3/16 dlc- me111 bought account from hillesden

[marling]

Re: Marlings UE diary

(5) Mint credit card

start : not sure / pre 2007
bal : £3000
last full : may 2008
present : not paying
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
2/2/14 2f - confirmation of residency letter
25/5/16 royal bank Scotland - sold mint card debt to cabot financial
25/5/16 cabot - welcome to cabot
11/8/16 cabot - contact them letter
6/9/16 cabot - fill in financial details letter

[marling]

Re: Marlings UE diary

(4) Egg credit card

start : sept 2001
bal : £4000
last full : may 2008
present : not paying
status : default(have letter) / have original agreement
dca : dlc

2009
feb egg - cccs default
2010
jan dlc - land registery enq
feb dlc - referred
oct dlc - in arrears
oct aplins - instructed by egg
made token £1's during year
2011
may dlc - made £5 pm offer
aug dlc - failed to pay
1/9/11 cca request sent
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca sent to aic
9/1/12 aic - final notice of intent
11/8/12 robinson way - notice of home visit
14/8/12 harassment doorstop visit letter sent to robinson way
1/10/12 robinson way - offer £30 monthly installments