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5imeon

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  1. Great thanks all for the help, They have till the 20th to send me the CCA, I will cancel the standing order on that date and SAR NRAM. Thanks, Sim,
  2. nope, not secured. Do I have to let them know im stopping the payments? thanks for your help.
  3. Hello, I had an original loan with Northern Rock for £9k. This defaulted in June 2009 with around £5k remaining. This was registered on my credit file under NRAM but is now under Marlin. Since 2009 I have been making payments of £30 per month to NRAM who have never contacted me after I set up the initial direct debit amount with them and have never sent me any letters saying they have passed along the loan to someone else. I did check the NRAM webpage which said a number of loans had been sold onto other debt collection companies so assume Marlin have bought this. Friday, I received a letter from Marlin offering a 50% reduction on the amount of £4332 if I paid in 7 days. Saturday I received a letter from Marlin saying I had to contact them to arrange a payment plan, they also sent a form asking for my mortgage amount, employment status and bank details! and the latest is here: Hello all, I finally received a letter from Marlin yesterday, It says they don't have all the information requested so will get n touch with the original creditor (NRAM) they also sent a copy of the Notice of assignment. My question is, do I continue to pay my monthly amount (£35 standing order)? Typically how long does it take them to get the CCA back from the original creditor? Many thanks, Sim,
  4. seems odd, just noticed this in the wrong forum, it originally started in the Debt collectors forum. Could a mod move it back please? Sim,
  5. Hello all, I finally received a letter from Marlin yesterday, It says they don't have all the information requested so will get n touch with the original creditor (NRAM) they also sent a copy of the Notice of assignment. My question is, do I continue to pay my monthly amount (£35 standing order)? Typically how long does it take them to get the CCA back from the original creditor? Many thanks, Sim,
  6. Thanks Renegadeimp, I will get it posted this afternoon. thanks, Sim,
  7. Hi Stig, ok the original loan was taken out on 30/11/2005 then defaulted on 22/05/2009. The noddle report says the default balance is £6190 which is oddly the same as the opening balance. The current balance is £4264. I really appreciate all your help.
  8. Hello Stigman, Many thanks for your reply, I will get a CCA sent off. I have never had any statements from NRAM nor a letter stating the £30 agreement, this was all done over the phone 5 years or so ago. I have checked my noddle account and the Marlin/Nram loan is on there as defaulted the only change is that it is now Marlin rather than NRAM. This did freeze interest and as far as I'm aware, no charges have been added. I will cancel the direct debit now and set up a standing order. Many thanks for your help I really just want to make this go away.
  9. Hello, Excuse my attention grabbing title, im in a bit of a panic. I had an original loan with Northern Rock for £9k. This defaulted in June 2009 with around £5k remaining. This was registered on my credit file under NRAM but is now under Marlin. Since 2009 I have been making payments of £30 per month to NRAM who have never contacted me after I set up the initial direct debit amount with them and have never sent me any letters saying they have passed along the loan to someone else. I did check the NRAM webpage which said a number of loans had been sold onto other debt collection companies so assume Marlin have bought this. Friday, I received a letter from Marlin offering a 50% reduction on the amount of £4332 if I paid in 7 days. Saturday I received a letter from Marlin saying I had to contact them to arrange a payment plan, they also sent a form asking for my mortgage amount, employment status and bank details! I'm a little panicky over how to proceed, as I can barely afford my month to month living now. Please any advice would be great!
  10. Hello dx, Ok, i will post as much pertinent info as i can. The loan that yorkshire bank sold on to Marlin: This was for £8500 this is an unsecured loan from 3 years ago. I am currently paying £250 a month on this and have it down to £4250. There is no info on Experian relating to this loan at all. The overdraft was with Yorkshire bank also before being sold to Marlin. This was for £2114. I am currently paying £25 a month towards this as i cant really afford to pay any more on this one. the details on this are below: Company name: MARLIN FINANCIAL SERVICES Account type: Current Account Started: 02/10/1995 Default Balance : £2,114 Current Balance : £1,784 Defaulted On : 18/08/2009 File Updated for the Period to: 30/01/2011 It just seemed strange to me that Marlin are really pushing for higher payments on the loan when there is no CRA info about it on my report. They also turned down a settlement figure of £500 on it. Any help/advice on this would be great Thanks Sim,
  11. Hello dx, Ok, so Marlin have essentially bought everything to do with the overdraft? Am i right in thinking they could then default the loan also? That would be annoying as i am paying them more each month for the loan than what the original amount was with the Yorkshire bank! Thanks for your reply. sim
  12. Hello all, first time poster, I hope someone on here can offer some advice to my current situation. Right, here it is. 2 years ago i ran up an overdraft with the Yorkshire bank (£2000) a nasty split and losing my job saw me bury my head in the sand and basically run away from my problems. (went to Oz for 6 months). I then came back to the UK and contacted all my creditors to arrange payment. I had a loan and overdraft with the yorkshire bank which they agreed to a payment plan on. This was all going fine and i was sticking to the agreement untill one day out of the blue they sent me a letter saying they had sold both debts to Marlin financial. This last week i have dared check my credit report and saw that there is a default on there for the overdraft but not for the loan. In fact there is nothing on there about the loan at all. i was unsure of whether the DCA can place defaults on your credit report? Any help on this would be great. Thanks,
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