Marlings UE diary

[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

wait until they contact you

[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

I would for the moment

[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

absolutely

[marling]

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

[MrsD]

Re: Marlings UE diary

sounds good!

[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

reply from marlin fs re cca request sent to them
one page only photo copy sent
"emailed niddy"

[marling]

Re: Marlings UE diary

(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 marling

[SaltnVinegar]

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

[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

thanks snv

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

cheers marling

[marling]

Re: Marlings UE diary

sent CCA request to capquest today
thanks for advice

[marling]

Re: Marlings UE diary

(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

[MrsD]

Re: Marlings UE diary

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