Linking with my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?382983-Marlin/page3

Apparently he specialises in [sic] Insurence and has a lot of [sic]experiance:lol:

well I got my redress statements through on Friday and what a shambles it is. Provides me with all of the annual statements from 2006 to date, gives me everything re: the mortgage which of course isn't covered by the cca and so unaffected by the NRAM statement issue, however the pile of paper they sent doesn't give any actual figures re: the amount my CCA loan has been redressed by, what was the amount of interest applied whilst they were non compliant, nor any other detail which might enlighten me as to my redress. So I called them: atr first I got FOBBED, told that he had no idea and that he would pass it onto a colleague for investigation. Called again a little later and got the one who was in possession of the on duty brain cell, after a lot of too-ing and fro-ing in answer to my question of why can't I just have my money back, the guy on the other end of the phone stated that I should be grateful because they weren't legally compelled to pay me anything - (I requested that he send me this in writing) Apparently the actual redress made by NRAM is that the term of my loan has been reduced by 4 years or so, removing almost £3k from my loan balance, would rather have the £3k in my pocket

If you watch some of the other videos produced by this chap it would seem like he is a keen member of the FOL movement. I would love this to be real and await enthuiastically a successful outcome, but I won't be holding my breath.......not til April anyway

Ditto

If they cannot confirm that you are the person on the mortgage, then why are they contacting you in the first case? It is not for you to assist them in any way in this matter, it is for them to prove categorically that you are the person named on the mortgage, and therefore prove your liability. Sounds to me that one or two of their ducks are missing :o) and they're hoping that you will save them some work by accepting liability

If the original default has fallen off your credit file then they cannot create a new one, they would only be able to amend the original default to reflect the change in ownership etc, but since this has now gone, there really isn't a lot they can do with regard to the CRAs, time to complain methinks

Looks like this is going to become a well worn path, same OC, same pattern and pretty much the same DCA activity, only difference is I sent a prove it letter as Egg et al are already in default of a CCA request from 2007

Duplicate thread

OP should be complaining to OFT about this, the insinuation in the letter that they have some kind of direct line to the courts (a la Batphone), is ludicrous and obviously designed to instil fear and panic, no admin errors here, this is harassment and should be reported

without a CCA from you, I can: Tell you to get stuffed Pay you bugger all ignore your threats until the debt becomes Statute Barred Put my feet up and have a nice evening

They are talking rubbish, have you actually received a court claim form? I doubt very much, what they are doing is over inflating their position by making threats of doom and gloom which are way outside of their abilities. without such a claim form, they will be doing nothing Although Mobile contracts fall outside of the CCA, you should still send them a "prove it" letter to make them demonstrate that they actually have a right to make any kind of demands for payment

A debt must be acknowledged in writing, or a payment made against it, anything said during a telephone conversation would not restart the SB clock

They seem to increase their activity as the debt becomes closer to being Statute Barred, there are even companies who appear to favour such debts as they can purchase them for next to nothing and persue them very aggressively as if they get anything at all by way of payment, even the smallest amount, this is seen by such companies as an acceptable return on their investment. They also use multiple identities to make it appear that such a debt is being escalated towards an appearance in court, when the reality, as many on here have already experienced is thast the debt is simply moved to the next desk in the same room

Got a NOA from B/C to this shower, but since I've never had an agreement of any kind with B/C it really has little value, and since no transactions have been made against the non existent B/C account, how can they substantiate the balance from B/C??? and bugger me if I've had nothing from the OC since sending the CCA request 5+ years ago, certainly nothing to resolve the dispute

The letter received today goes as follows: Dear Sir/Madam So a std Template letter then, not even Dear Mr Spamheed The debt has been passed to us to recover and we need to speak with you to arrange a suitable repayment plan. Please contact us in the next 5 days to arrange a repayment plan to settle the outstanding debt. Please telephone us on 0333 123 9999. Our office opening hours are Monday to Friday 8:00am to 8:00pm and Saturday 9:00am to 1:00pm. Alternatively, please complete and return the statement of means form which can be found on the reverse of this letter, detailing your income and expenditure along with your proposed offer of repayment. Yours faithfully Marlin Financial Services I would say that it was just a tad on the optimistic side, bordering on presumptuous

I don't bank with Barclays so nothing could ever have been offset.

Making them prove their case and provide a clear papertrail for the account is an absolute must - from the creation of the account (the agreement) to the moment the DCA sent the claim form, is imperative, if you want to stand a chance of winning in court, the CPR rules are an excellent tool in the forming of any defence without this papertrail they are in deep doo doo

Of this, have no doubt, anyone who banks with Barclays and has a debt with Barclaycard would be wise to sort themselves a new account at their soonest opportunity, and the same with any other bank, as many others have found before, they will clear any balance to offset a defaulted balance without a moments second thought.

I SAR'd Egg a few years back and got a complete print out of the Egg account history, in it, it clearly records my CCA request and states equally as clearly that they couldn't find one, this not only places the account in dispute prior to even the transfer to BC, let alone the latest assignment to Marlins but it does show how far Marlins are going to get with this if even the OC Egg couldn't produce anything.

Haven't seen the letter yet, but Marlins have sent me their first letter, no doubt promising me all kinds of ill should I fail to give them monies that they have no entitlement to. I suppose my first action should be a prove it letter, coz I've never had any account with Barclaycard and the account number matches no other account in my history

FOTL = Freeman/men of the Land a far fetched system where the law is irrelavent and taxes/debts and liabilities are all washed away by common law

I am not disputing this, I know of several companies who have a habit of acting similarly, I ammerely stating that iin this case t would be the simplest set-aside ever recorded and they would get my nomination for this years cupid stunts award

I have heard the whole "third party interloper" arguement before, it is indeed part of the FOTL doctrine, far too intense for the likes of me

Since the address hasn't changed and all mail (such as there has been) has come to the correct address including the initial contact letter from Marlins and the NOA doc from B/C, this is absolute proof that they know the correct address and it is very unlikely that Marlin would attempt such a foolish act, given that the deception would be obvious and easily proven. Because the paper trail clearly includes the correct address, setting aside such a spurious claim would be childsplay and would also merit a nice claim for costs against Marlin