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Shinysprite

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About Shinysprite

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  1. Yep, HP Mum and Chalkitup - statement dated 9/8/13. They can't be that bothered if it takes them that long to actually send them out!
  2. Thanks, Fletch - this is the first time they've ever sent me a statement!! But so long as I don't need to do anything about it, I'm not bothered!
  3. Thanks, dx - yes, FTC letter went off ages ago so will just file this and see if anything else comes my way from them...
  4. Soooo.... I'm baaaa-aack! MONTHS of silence on this but I've just got in to find a letter from Marlin Capital Europe in my postbox - it's a Statement of Account, and the return address on the outside of the envelope is a PO Box in Huddersfield - completely different address from all the other correspondence I've had from them. It doesn't look like a demand for money - there are no threats or anything contained in it, no faux legalese, it just says 'Following is a statement of your account from 05/02/2013 to 08/08/2013', then an opening and closing
  5. Still all quiet on the Marlin/Mortimer Clark front, Slick. Everything still crossed that this one's just going to slip away, but am taking nothing for granted...
  6. Hi slick, Having read that, I am wondering the same thing - nothing as yet, but I won't be at all surprised if Mortimer Clark are the next people I hear from... am guessing that if/when this does happen, the 'account in dispute' letter will be my best response...?
  7. Hehe, thank you, Slick! I think you are right, and I'm just having a paranoid wobble! Just that based on previous experience, I tend to expect letters and phone calls every five minutes from these idiot DCAs, trying their luck, and that's what I'd sort of got used to - so to not hear anything is quite novel, and even quite refreshing!! "No news is good news" definitely seems the way to go...! SS x
  8. Just had a thought, though - presumably, if they tried to apply a CCJ to my credit file under a previous address and the CRA compared the addresses, they'd spot that it was wrong, wouldn't they, and then couldn't they refuse to apply it? Or does that not happen?? Also, is the fact that my last previous address was last confirmed five years ago enough to prevent them from trying to lodge a CCJ against that address? Am I being paranoid??!! SS x
  9. Thanks, catquest - yes, on Noddle, my old address is linked, with Egg as the most recent source of link, and the last confirmed date showing as 31/3/08. My last TWO previous addresses are linked on my Equifax report (and it's nearly 12 years since I moved from the earlier of these two!). So, does this mean that Marlin could in fact go for judgement at one of these addresses?
  10. Just a quick update - still all quiet on the Marlin front - no contact whatsoever, no letters, voicemails or anything since the above letter from Barclaycard, not even a reply to my Failure to Comply letter. Am thinking that no news is good news, and that they are now just going to leave me alone as they can't enforce, and they know that I know this, however, because of what others have said about them going for judgement at old addresses, I'm ever so slightly anxious that radio silence means that this is what they are doing - preparing court papers anyway just to try their luck, to sen
  11. Thanks all - this is as I thought. I shall just wait and see what Marlin have up their sleeves - can't pretend I'll be surprised if I do receive a court summons from them, and am definitely ready to defend. SS x
  12. Right - letter received from Barclaycard today - NOT from Marlin (dated 14th March), as follows: "Dear Shinysprite, BARCLAYCARD SERVICES ACCOUNT NUMBER: 4929 xxxx xxxx xxxx Reference: Section 78 of the Consumer Credit Act 1974 I refer to your request for information. The information we must provide to you under the terms of Section 78 of the Consumer Credit Act 1974 (the "Act") is prescribed by the Act and by the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Section 78 of the Act provides that, where a creditor receives a Section 7
  13. Quick update - no sign of CCA and the 12+2 deadline has elapsed, so Failure To Comply letter going off today or tomorrow - watch this space...
  14. Just a quick update - checked my CRA files on Sunday and this is still showing with Barclaycard as the owner, NOT Marlin, with status 'Settled'. Am still waiting for CCA, the days are ticking down - but they have at least left me alone in the meantime...
  15. Understood - but this will be more or less the same time as the default was registered. Last payment made was April 2009, default was registered in June of that year. As mentioned in my original post in this thread, back then, when they were chasing and ultimately defaulted the account, I CCA'd the DCA handling it at that time, with a view to arranging a payment plan/settlement and got absolutely no response and there's been zero activity (i.e., payment/acknowledgement/chasing) from that time until the NOA from BC and then contact from Marlin a couple of weeks ago. So effectively (as I unde
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