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Everything posted by 10pack

  1. I have not had any communication from marlin since those first letters dated 2nd January (BPF did not have my phone number I cancelled my contract when they started to harass me). I did call them once to inform them they should not have been allowed to buy the loan second one was to ask for a copy of my credit agreement which the rep admitted they did not have (which is I suppose correct since they do not have our correct credit agreement numbers)... when I realized that.. I told the rep that they should not have even tried to contact me without proof of ownership and the fact I had informed them the account was and is in dispute. Nothing since that time. Next month the limit on county court claims rises to £10k I am wondering if they are waiting for this date to start pushing it since some of us have large amounts on these loans they would have hit that £5k limit quickly. and its still quiet on this site why?
  2. That is what I am trying to make experian understand they seem to be taking what marlin says as gospel and ignoring what I am telling them. I asked for them to send me the evidence that marlin has given them.. so far no answer. If the continue to refuse to listen and take marlins side then I will have to assume they do not work in my best interest.
  3. At the moment its gone quiet with Marlin, apart from their initial envelope at begining of the year with the 2 letters one supposidly from BPF both dated on same day and with no names of signatures on them.. Dont forget to check the account numbers, Marlin do not have them neither do they have signed copies of credit agreements they admitted it to me on the phone, they also refuse to supply signed copies of deed of assignment when asked, I asked for proof they brought the debt, they said the proof is the letter they sent us.. I replied then that is not proof, because I could also make up letters myself stating my loan was fully paid and they would not need signatures same as theirs.. She could not answer that. In the documents I got from my SAR on BPF last month there is no letter that states the loan has been reassigned, so that letter we got was printed by marlin. Also in the pack of documents was a letter dated 06/02/13 informing me they had added additional late payment charge to my account.. how can that be if its been sold off??. At the moment I am having it out with Experian, I have an account with them and have I asked them to remove the incorrect information from my credit files. they have refused stating they can only do this with the permission of marlin, I have written back asking them to supply copies of the "proof" marlin have given them they own the loan?. If experian do not comply with my wishes I am thinking of taking them to county court for damaging my credit worthiness.. this also goes for marlin... this is worth up to £8,000 a go... how many credit reference agencies are there?? And I still have not forgotten BPF.
  4. Also still here, yes its gone quiet on this forum do not know the reason why. I do not think the majority of us had our problem resolved.. just made worse by bpf who seem to not care at all about their customers. Next month the amount you can claim through county court goes up to £10,000 so now would be a good time to start getting you thoughts together about taking this to county court. Because now not only can you claim for the amount of the loan but there is also extra money to claim for stress, damage to your credit worthiness as well as interest and anything else you can think of. I wanted to start this last year as I read the limit was supposed to have gone up last year but for some reason they delayed it. Its not that expensive to claim and works on a sliding scale depending on the amount of your claim you can even apply online.
  5. By the way has anyone seen the latest CAG email, first item is about the increase for county court claims to £10,000 so now we can add extra compensation claims.. damage to our credit worthiness for one, Stress and ill health are also valid claims. I was tried to open a bank account a few weeks ago and was refused by Hsbc they sited the default on my credit file, I never thought about it at the time, will go back and ask them for a copy of their record for evidence in my claim.
  6. The rest of us are being harassed I am on my 5th DCA now with marlin.. and none of them have taken me to court. I am still unemployed as I was when the loan was given to me through advent. my own situation I have posted on this site often, I did not even get to start the course and to be told by barclays where I can study is not a solution to the situation.. the S75 states the finance company may offer an alternative.. the key word is offer.. it makes not mention about they are allowed to impose or that I must accept what they offer. barclays/marlin want to take me to court they can and we shall see what a judge has to say about.
  7. He could start by taking the default off our credit files and amending their records.. that will help with giving marlin a kicking since if the original creditor agreed that we do not owe the debt.. then a DCA cant. also with the increase that can be claimed in county court will be able to claim for damaging our credit worthiness.. you can claim up to £8,000 just for that.
  8. I have noted its very quiet on this forum, none of the CAG moderators have responded except for Caro. This subject is being discussed elsewhere
  9. No that's a new one, but its what I would expect from a company like marlin, have you seen the ch4 dispatches program its about under cover investigation into debt collectors and marlin was the main focus. you should be able to watch this on 4oD or maybe download it on a torrent? Do not offer to pay them any money yet since I think that means you acknowledge you owe them money. Either way I think sending you threats of court is not allowed specially since they only just "brought" these debts and as of yet have not proved they have own them. You will find they do not have the agreement number.. do not supply it. Have you sent the CCA request yet, they are supposed to halt their process while they do this, also have you informed them you are in dispute with barclays over this loan and the reasons why? I mentioned in an earlier post that I made a subject access request to barclay partner finance it costs £10. They sent me copies of all the letters they had sent me in the past few years, and that letter that was with marlins letter sent in January informing of assignment.. its not in my pack of documents.. marlin must have printed it. also in the pack I had a letter from barclays dated 06/02/13 informing me of a late payment fee being added to my account... how does that work?.
  10. Well done you beat me to it, I was just starting to create a letter to send to him, I have been chatting with others in similar situation, and I proposed that we create a joint letter with a quick summery of our situations our views of the situation and how we felt about the treatments we have received from barclays. I want that we all sign it and post it to him registered post. what address did you use to write to him on?
  11. I also am waiting for same reply. I had my documents from my SAR request and there is no copy of that letter that arrived in envelope with the letter from marlin stating assignment of the loan... marlin printed it.. that's why the account numbers are wrong. also marlin put a default on our credit files with even issuing a default notice.
  12. I just had my documents from barclays arrive today mainly letters they sent me, there is a large amount of what looks like print outs and in it shows something to do with marlin so it may well be its sold.. but how can it be if i am still in dispute with BPF. like you I noted that marlin had put a default on my account.. its dated over a year before they sent us letters informing they had the debt.. how can they do that? and how can you be defaulted twice for same debt? its like being killed twice. I also will be contacting experian through my account with them.. also will contact trading standards over this. I also want to know if marlin have brought the loans and they want all the benefits.. that must mean they also get the responsibilities.. "jointly and severely liable" and since they paid peanuts for these loans they may back down if threatened with court and costs.
  13. CCA is a request for a copy of your credit agreement, marlin have to supply this otherwise they are committing a criminal offense. DOA deed of assignment you can ask marlin for it but when I asked on the phone for it they refused point blank which suggests to me they are hiding something. I am thinking of sticking them with a subject access request they have to by law provide copies of all data the have on you.. I am assuming that also includes copies of deed of assignments, but it also means they have to supply notes and other things including recordings. if you look at the 2 defaults on your account you will note marlin have taken the liberty of marking their default a year later than the clydesdale default, how can they do this when their notification only arrived in post in the first week or so of January this year and how can they add a default on a loan that is already in dispute and has a default added unfairly.. I cant believe this can be legal. I also intend to report all this to trading standards and office of fair trading since marlin already has a "Record" with them I am sure all complaints will go down a storm with them ) .
  14. Yes I agree with you.. but I have noticed a distinct lack of interest in this thread even though there are other CAG users in same position as us here.. where are they??. Keep me posted about what Experian tell you because we need to pass on this info to others,, I also know some students from Skillstrain that are in exact same position as us with BPF.. and with marlin after them
  15. Marlin rep admitted they did not have my credit agreement and refused to supply the DOA said they are not legally required to provide me with it when I phoned, I will be sending a CCA to marlin now. I had response from barclays about my subject access request they wrote they will comply but did not give me any dates on how long it will take them though they accept the 40 days deadline as stated on my request letter. Will see then if its really been sold.
  16. I just checked my credit file it also shows Marlin added account, they have also added a default to my credit file as far as I am aware you cant be defaulted again for the same loan, they have also added to the balance that was originally on Clydesdale account, again this can not be correct.
  17. Hi I have not checked my credit file for a few weeks so not up to any new activity, last time I checked I spotted that lowell had been snooping around in October last year, I think they must in so way be linked with the company BLACK TIP CAPITAL PORTFOLIO (UK) LIMITED that took over Marlin, when you look at the number of companies inter-linked like a spiders web it makes you wonder who is behind all this? I read somewhere that Marlin was given a loan of £80m by RBS so that they can finance their call centers and collection activities.. its our money the gits are using to try to nail us.
  18. Its pretty dead activity wise on here not sure why.. I still have not had any communication from Marlin since my phone conversation with them the other week. I know others of us have been contacted by Marlin, and I bet you also have had a Lowell Portfolio I Ltd search on your accounts, not sure if they are working for themselves or for Marlin.. anyone know?. This address gets answered, I sent off my SAR request they sent it back wanted signature.. I re-posted just waiting now If you are sending in a SAR mark it.. Attn Data Controller and don't forget to send it recorded signed for Clydesdale Financial services trading as Barclays Partner Finance PO Box 2501 Cardiff CF23 0FP
  19. so if they do not have a copy of credit agreement something they also admitted to me on phone.. and they refused to supply a true signed copy of deed of assignment, I have to ask how can they claim to have brought our loan from BPF? I have sent off a subject access request to BPF to get all information they hold on me.. so hopefully this will tell me if they have sold on my debt. I have not heard anything off Marlin for over 2 weeks since I phoned them and explained I am still in dispute with BPF maybe they was snowed in?? I do know others have had second letters asking for details of their income and out goings from Marlin.
  20. Yes we all should report this to trading standards and OFT. this company is already under the spotlight with what they have been caught doing before, evidence is on Ch4 Dispatches program.. debt collectors , so more violations means more pressure on these ****.
  21. Use Postal orders get them from post office they even type the name of the receiver on them and they are crossed so only they can cash them have you checked your account number with the one supplied by them? I am getting reports from other students they have wrong account numbers.. its a S,cam!
  22. Just to point out obvious.. dont tell them the real number.. if they are stupid enough to go to court with it let them.
  23. Hi Guys Regarding the situation with Marlin I suggest that you check the account numbers supplied by marlin and a genuine letter from barclays, I checked mine its incorrect.. not even close. I am still sending out a challenge letter and a SAR request to BPF I want all info off them.
  24. the lawyer we had arranged pulled out after 3 months, I also found out there was another group who was not even related to advent but are in same mess with BPF, I was chatting with one of them she asked if I could give her the name of the lawyer we intended to use.. turned out this same lawyer that dumped us also dumped them a month before it seems the company he worked for had bigger fish to fry. I am in contact with other students through email one way or another we will have to take BPF to court probably same as Fuzzbutt in country court.. that goes for marlin if they don't F off out the way I am not in a mood for any of them. Ask Marlin for a signed copy of your credit agreement I already asked for mine in a phone call the rep admitted they did not have it.. send barclays a "subject access request" (there should be a form template on this site) it asks them to send you all the information they hold on you, since they are covered by data protection laws they must give you all the info they have even screen dumps and recordings. once you have the information can see what barclays have been doing and see if they actually sold us on. I was thinking what if I also sent one of these at marlin.. they would have to send everything they have on me, would be an interesting experiment.
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