Advice on DCA to accept payment? :-?

**shaff** · 21st March 2008 15:24

Hi All,
Just want to say what a great site & Thank You all so much.

I am currently trying to re mortgage icon

and experiencing problems due to my credit score.

I defaulted on my HSBC icon

credit card in May 2005, this was passed onto MCS then Marlin Financial Services last year. The balance is still outstanding (£3000), some of which were charges. I am currently paying £10 a month and have offered to clear the debt by offering £1500 as i am a single mother with a p/t job. They point blank refused and said that they would not accept anything below the full balance and now may look into putting a standing charge against the house.

I was advised that having the debt 'Settled' on my credit file would mean that less lenders would turn me down for a mortgage icon

. I'm so worried that when my fixed rate deal comes to an end that i will fall behind with the mortgage as its going from 4.9% APR to 7.5%, and that having a standing charge would get in the way of a mortgage.

Please can anyone help, however small your advice, anything would be appreciated. Thanks

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**PriorityOne** · 21st March 2008 16:01

Don't have any more dealings with them over the 'phone... as they will tell you all kinds of bowlarks. They can only go for a Charging Order after first obtaining a CCJ against you.... and can only enforce a CO when you have defaulted on payments under a CCJ.

As this account is now with a DCA (debt collectors icon

)... you really need to do a CCA request to find out if they even have the right to collect in it in the first place.

Creditors and DCAs - Letter Templates & Budget Planner

Letter N.... enclose a PO for £1 (not a cheque)... do not sign icon

it, just initial it... and send of by rec delivery. Keep the receipt.

If they 'phone you, just refust to go through "security" or just hang up.

A CCA request is a legal request for a copy of your Consumer Credit Agreement and they have 12 working days from receipt of it within which to comply.... or you can legally withhold all further payments until/unless they do.

**B3rty** · 22nd March 2008 15:01

These poeple are bullies, have you CCA'd them yet?....

BTW your mortgage icon

lender may offer you a deal if you threaten to move to another lender,most lenders dont have issues with defaults when the loan to value is below 70%.

**Craftygirl42** · 22nd March 2008 18:11

Shaff - hubby and I are unfortunately being hounded by Marlins too and they threatened us with a Charging Order. We CCA'd them and they are now in default, and have had no correspondence or calls from them for a couple of weeks, the last was a letter after they received the CCA request putting in writing that they are considering a Charging Order. Nothing since we ignored that letter.

Please CCA them and see where it gets you.

Good luck

**shaff** · 26th March 2008 00:20

Thanks for all the support!!
Sent the CCA today, hope this helps!
is it 12 days normal or is it 12 working days?

**Lula** · 26th March 2008 00:24

it is 12 + 2 working days

**shaff** · 31st March 2008 19:38

Hi there,
Got a letter back from HSBC icon

bank replying backs to my SARS request,
they have asked me to to sign a letter to verify my identity??
I have previsouly sent off for bank statements and never been asked this before, i am also very worried that i have sent a CCA request off to a DCA icon

who now has my account for the HSBC Credit Card and i know for a fact that they will not be able to produce an eliglble copy of the true agreement, and they might forge my signiture

PLease Help

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