Hi all

Need a bit of advice please and I'll try and be as brief as possible.

Had an issue for the last 5 years almost with a M&S card

I have CCA them and they cannot show me a legal agreement despite many threats of court action and several DCA chasing me.

A weird thing happened about 18 month ago when it disappeared from my credit file for about 3 month

and then re-appeared under the DCA Merlin who were the ones chasing at this point.

I would now like this permanently removed from my Credit File but it now looks like its only existed for 18 months so what should I do

1. Write to Marlin and ask them to explain why this debt looks like its only 18 month old when I have several letters going back years or

2. Sent the SB letter to M&S ? (also can somebody link me to the SB letter please.)

As always any advice very very gratefully received

S

tell us the history first please

when did you last make a payment

has this a defaulted date?

is this the same as when it was shown under M&S?

dx

Hi DX

Ok sorry so last payment was around May/June 2009

- it was defaulted by them Sept 2009 (I have their letter telling me the account is now in default)

and yes its the same account number as it was under M&S as it is now under Marlin

Does that help ?

Regards

S

is the original default date the same as under marlin

.

now that Im not sure of -

they haven't mentioned that

- all they did was state they were action on behalf of M&S

I asked them to provide a CCA as per all DCAs before they couldn't

and could only let me see an incomplete application form,

Should I write to Marlin and say my view is this account is statue barred and see what they say ?

s

Sorry DX just understood your comment - no under Marlin its 6 months later than M&S

ok so from the original entry default by M&S you can claim its extinguished in Scotland

forget the marlin one, that after they wish to argue

will be passed by anyhow.

so if the original M&S default date in the summary line is now +5yrs old

send them [marlin] the Scottish sb letter from the green top library tab

dx

When did you enter into the agreement with M&S and was it a store card which was then upgrated to a credit card ?