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Marlin/Nolans chasing N Rock debt i am paying to the OC


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Hi,

I have been paying off an old debt to original creditor at £10/month for the past 9yrs.

 

I recently got a letter from Nolans Solicitors telling me that Marlin have appointed them to request payment of the full amount which is over £9k,

a way load more than original debt.

 

I have noticed the original debt is no longer on my credit file

 

I have still kept paying the £10/month to the original debtor.

 

Can anyone advise what I should do?

It was taken out about 12yrs ago.

Thanks

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Well first of all I would like to Marlin and tell them that you are already involved in a repayment agreement with the original creditor and you have no intention of altering your plans. Tell them not to bother you again unless they want to start the pre-action protocol.

 

Have you requested a copy of the CCA from the original creditor? A debt of this age you might easily find that it's not enforceable because of a lack of documentation.

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Thank you for quick response,

 

No have not requested CCA as I was able to pay the £10/month and have been doing so even when the debt was removed from my credit report.

 

I dont have an address for Marlin only the solicitors acting on their request.

 

In fact next standing order due off on 28th Dec.

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this is Scotland

pre action protocol does not apply

 

the debt has been sold to marlin [cabot group]

you should of had a notice of assignment

have you moved since taking this debt out?

 

your payments are being fwded by the original creditor [who is?]

and what type of credit

 

Nolans would have traced you from your credit file address

you are lucky they've not gone for a decree.

 

its never a good idea to blindly keep paying a debt to anyone for more than 5yrs.

as all you are doing is extending the statute barred date to infinity.

 

was this debt taken out whilst resident in Scotland too

 

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS

 

if you are blindly paying other debts like this

SENT whom you pay a CCA request.

 

the CCA request for this one can goto Nolans

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and remember, they do NOT chase legit debts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who was the original creditor

what type of credit

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so this was originally secured and is now unsecured as its been sold on

and ofcourse was on an old property not your current one.

 

was this taken out whilst resident in Scotland on a old Scottish property?

and how much are they chasing?

 

sorry for all the questions

but its needed

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ah £9k which is why they are being persistent then.

did you have an NR mortgage at the same time?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

good

you would have had an additional secured loan with that mortgage

that's the loan that is now unsecured and subject to the chasing.

 

why was this not paid off when you sold the house?

it should have been.

 

did you get repo'd?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

it might pay you to send NR an sar and get all the paperwork.

 

the bottom line is why would NR sell this on for

they could have crushed you in court themselves.

 

there must be a reason

I would suggest it like many of these secured loans attached to a running mortgage

they and the mortgage were littered with reclaimable penalty charges and all manner of compulsory insurances they made you take out.

all of which are reclaimable.

 

dx

so no NR mortgage

this get even more troubling..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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CCA marlins

Sar nr

Keep paying for now

 

Come back here ,in 12+2 working days

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

They'll soon find out!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Staple a copy of the Nolan's letter to the CCA

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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