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Marlin/Mortimer CCJ HFC Marbles Card - Set Aside Help **WON plus Costs**


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Can any one advise me please!

 

My financial difficulties forced me to make payment arrangements with several credit card companys a couple of years ago

and all but one were very reasonable.

 

The account I had with Marbles/HFC made it very difficult for me

but they eventually agreed an arrangement to reduce payments and freeze interest.

 

 

After a short while they passed the debt on and

 

 

to cut a long story short it is now owned by Marlin Financial/Mortimer Clarke.

 

Despite keeping up the payments they informed me they were applying for a charging order on my property and

 

 

last month I received a CCJ for the amount owing, plus charges and an acceptance of my payment offer.

 

The small print at the bottom of the CCJ states that if judgement is for £5000 or more (which unfortunately it is)

or is in respect of a debt that attracts contractural or statuary interest for late payment the claimant may be entitled to further interest.

 

Having contacted Mortimer Clarke by phone they have stated that they intend to charge me 8% interest.

 

There is no mention of interest being awarded on my judgement,

it just states the total amount owed and the amount of instalments.

 

I have not received any statements on this account for well over a year

and despite my contacting them by phone, letter and email

they either ignore my requests or tell me they haven't got the information at the moment.

I tried contacting the court where the CCJ was issued but they couldn't help me either!

 

Does anybody know if this means that I only have to pay interest if my payments are late

or whether I have to pay interest on the full total owing each month.

And should I be liable for interest if I haven't received anything in writing?

 

I am getting so confused and trying to get to the bottom of this fiasco

is like banging my head against a brick wall They can't even tell me exactly how much I owe!!!.

 

Somebody help....Please:confused:

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Dear HH Thank you for your reply..

I have checked out the link and it is very informative....

With regards to defaults etc this is what I have.

 

1)8.1.07 Letter from HFC stating they will send default letter

 

2) 12.3.07 Letter from HFC stating they were reviewing my account but weren't happy with me using debt management company.

 

3) 22.6.07 Default notice

 

4) 14.3.08 Another default notice.

 

5) 24.6.08 Letter from Marlin stating Notice of assignment from HFC to Phoenix Recoveries

 

6) 28.8.09 Letter from Marlin to contact them immediately to arrange payments.

 

7) 24.10.08 Letter stating been in touch with land registry and intend to apply for Charging order on my property.

 

8) Letter from Mortimer Clarke Solicitors asking for full payment or they will issue a claim where I will be liable for a court fee and interest may also accrue.

 

9) 1.12.2008 N245 received...sent to debt management company who filled in details then returned it to me for signing...this returned to Mortimer Clarke.

 

10) CCJ Received.

 

Throughout the whole 2 years I have made regular payments and not defaulted on the arrangements made via my debt management company.

 

This is all the information I have.

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Having read the link from HH and the post on assignments it seems I could have something to fight here.

As the CCJ has already been issued and I admitted the debt, is it too late?

I admitted that I owe the money but my contract was with Marbles/HFC and although I was informed that my debt was being assigned to Phoenix recoveries I did not get a copy of the assignment...is ignorance an excuse to ask for a second chance of a fight to clear my name?

Any help and advice would be great as I do feel I've been kneecapped by Marlin with all their threats and If possible I'd love to do something about it and stand up for myself.

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So, I'm applying for copy of CCA and deed of assignment to see if I can sort out the interest they believe they are entitled to but who do I send it to????

Original debt was to HFC/Marbles

Assigned to Phoenix Recoveries Luxembourg.

Administered by Marlin Financial Services,

Payments on CCJ to Mortimer Clarke Solicitors......

 

Where the cripes do I send my letter??????

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Thanks to hammyhound, mo and foolishgirl for advice so far. Without your help I probably would have accepted what MC said and ended up paying more than they were entitled to without questioning it...which is what I suspect they were hoping for!:rolleyes:

I may have misled in my original thread about charging order as that is what they were going for but as far as I know and understand they didn't get . The judgement as far as I can see is just to pay them back the amount owed in in the agreed instalments. (which is what I was doing in the first place so all this business has done is added court costs to my debt and a ccj to my name. :mad:. And as far as I can see they can only apply for a charging order on my property if I default on my agreed payments.

 

Anyhoo, I have sent a request for the cca and deed of assignment to MC and I'm hoping they will either adhere to the request or at least tell me who to go to if it's not them.....trying to save myself a few bob on postal orders and postage here.:) Now I need more advice....as the statement that MC were going to be charging interest at 8% was verbal and over the telephone should I wait to see if they try this after I've finished paying off the amount owed as stated in the ccj (in about 4 years time)or should I try and get it in writing and then dispute it??

Anyone help with this one.

Once again thanks again for help so far...the links and advice have given me hope..

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I'm so green and ignorant I shouldn't be allowed out of the house!!

 

Ok ,FG, what is a POC? I'm assuming OC is original creditor and therefore I should send my SAR to HFC? What, exactly, should I request that will give me as much information as I need to see if I have a case to set aside and or settle the 'adding of interest' question?

Also, I have not had any 'statements' of my account stating payments, interest balance etc. since HFC sold the debt to Phoenix. Where would I go to get that info? Having let my DMC manage my affairs I just blindly paid every month and discovered I 'owed' more than I thought I did when the N245 came through the post. Yes I know...in hindsight, and with the info I have now I should have disputed it then but like I said I'm a cabbage.

 

All help and advice gratefully received.

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Just to add...Wrote to MC over 2 weeks ago requesting FULL BREAKDOWN of payments received, interest and charges accrued since they wrote to me in November informing me of their intention to secure a charging order and also a current balance. Reason being, having kept up my payments I was suspicious that by the time the judgement was granted it was for more than they were due. (This was prior to me finding this site so guess what....I signed the letter!!!!)

The upshot is they actually replied yesterday giving me a list of what I'd paid and nothing else!!!!!!!!!:mad:

 

So I still really don't have a true position of my debt.

Will sort out sars at the weekend.

 

Thanks again for allyour advice guys...R&B,FG.

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Just checked my Experian report and I found it a bit confusing.

says....HFC Default balance £9966....current £8613....

Marlin Default £9966.....current £8384.

Same debt different balances....appreciate the difference may be where I have been making payments to Marlin since the debt was assigned BUT

Why is the same debt on there twice and why does it say I've defaulted to Marlin when I've never received a default notice from them?

Report looks like I've got two different debts defaulted on when it's the same one!!!

Expert help here please :eek:

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I have hunted high and low and I don't seem to have a copy of the POC. Where would I get this from? I remember ( I THINK?) it being attached to the N245 but I think it went back to MC with my admittance...not sure...I was in a bit of a fog at the time working nights to earn extra dosh to pay debts ,Christmas coming, rowing kids etc.etc

How would I go about getting a copy of this?

Would I have to request it from the court or add it to my SAR to Phoenix/Marlin?

My intention is to SAR HFC, (the OC) and Phoenix (They are named as Claimants on CCJ but as the account is being administered by Marlin should I send the paperwork to them?)

I'm a tad confused :confused:

More advice please from you fantastic people out there.....:)

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BTW, did Phoenix tell you to pay Marlin? Or were Marlin named as the recipients on your CCJ? If Phoenix are named on your CCJ as the claimants, the payments should go to them not Marlin. Strictly speaking if Phoenix want to change the arrangement to Marlin they have to apply to the court for a variation of the order. Make sure you keep accurate records & proof of payments to avoid dispute in the future.

 

Phoenix were assigned the debt in May 2008 and they in turn appointed Marlin Financial services to 'administer' the account.

 

CCJ states that Phoenix are the claimants and monies are to be paid to Mortimer Clarke Solicitors ( same address as Marlin) who were the 'solicitors' who informed me that Phoenix were seeking a court order.

 

Either way it all seems designed to give people the runaround and confuse them into submission. :rolleyes:

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Is it at all significant that The letter from MC to inform me that I had to pay the full outstanding balance within 7 days or they'd take me to court was dated 21.11.08 (FRI) therefore the earliest I would have received it would be Sat 22nd and the court papers landed on my doorstep exactly 7 days later on Sat 29.11.08?

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Contacted Northampton CC today to request POC ...they are sending it free of charge!! Can't believe you can still get something for nothing in this big bad world. Bless them.;)

 

Have SAR ready to send to HFC hope to get that off this pm before work, still not sure who to send the other one to...any takers??

Phoenix Recoveries based in Luxembourg...Assignees

Marlin Financial Services.....administrators and henchmen to Phoenix.

Mortimer Clarke Solicitors...same address as Marlin, Named on CCJ as recipients to my hard earned cash and messengers of doom..

As I am obviously strapped for cash due to crippling debts I want to be as sure as I can about who I send this request to. They are giving me the runaround enough as it is and If they cost me £30 quid for this info I'll be a bit miffed to say the least..:mad:

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Thanks FG.

Received letter from MC today in reply to my request for DEED of assignment and CCA. They have sent me another copy of the Assignment notification but no Deed and state they have requested a copy of CA and will forward it to me.

They only ever seem to answer what suits them with regards to my requests...not sure if it's incompetence or tactics. :rolleyes:

 

I shall wait for a while and see what my SAR trawls up from HFC before I go back to them.

 

Out of interest, can anyone see any legal loopholes in the following?

 

1. 24.6.08. Notice of assignment to Phoenix, Request to Contact Marlin re payment arrangements.

 

2. 27.6.08 Letter to DMC accepting offer of payments from 23.7.08, looking to review in 3 months for increase in payments.

 

3. 28.8.08 Another request to contact Marlin to agree payment arrangements or they will instigate legal proceedings.

 

4 24.10.08 Letter informing me that they have been in contact with Land Registry and will be applying for enforcement of a charging order.(exactly 3 months after agreeing arrangement...is this what constitutes a 'Review')

 

5. 21.11.08 Letter from MC requesting full payment or claim will be issued.

 

6. 29.11.08 Claim form received.

 

Nothing in writing re rejection of payment offer.

 

Anything there I can possibly cling on to towards a seta side?

 

From assignment to court in less than 5 mths despite keeping up regular agreed payments.

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I Received my POC from Northampton today. Reads as follows.

 

By a credit agreement in writing between HFC Bank Plc and the defendent dated 15.11.1999 (the agreement) HFC agreed to issue the defendent with a crdit card upon the terms and cons. set out therein. In breach of the agreement, the defendent has failed to make the minimum payment shown on the monthly statement. The agreeent was assigned to the claimant on 18.7.08. The claimant served a Default notice on the defendent stating the amount due and requiring to pay the same. The defendent failed to pay and the agreement was terminated.

THE CLAIMANT THEREFORE CLAIMS:

!. £8299.65

2.interest at the rate persuant to the agreement namely 14.56 and continuing until judgement or sooner payment at the daily rate of 1.82 or in the the alternative interest pursuant to secton 69 of the county courts acts 1984. Also interest at the rat pursuantto the Agreement from th judgement date until payment.

 

 

Then there is a table stating.

Amount adjudged..8314.21 Amount claimed..£8314.21

Total costs...£345 Court fee..........£190

Sub Total .....£8659.21 Solicitors cost......£100.00

Payment before judgement. £90.03 Total ........£8604.21

Total .........£8569.18 Date of issue.......28.11.08

Instalment....90.03 Date of service.....3.12.08

Date of judgement 25 feb 09 First payment on 25.3. 09

Reg Date 26.feb 09 Order posted 26.feb 09

Edited by Spamalot
typo

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Further to the above (laptop playing up so posted it before I lost it)

 

My questions are:

 

Does it look as though they have NOT been awarded the interest asked for?

 

What constitutes as a Default notice? Does it have to be stated on the letter that it is a default notice or can they just say pay up or else?

 

If they told me the debt was assigned on one date (20.5.088) and the court a different one altogether (18.7.08 ) could i get them for perjury? A bit tongue in cheek there but is there a little crack there that I could prise open into a gaping great hole???

 

More questions later...will await feedback on these ones first and keep my fingers crossed. :)

Edited by Spamalot

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Thanks FG,SS

Briefly, as I REALLY must get ready for work now!!!

 

Two Default notices received from HFC on 22.6.07 and 14.3.08.

Debt assigned to Phoenix somewhere around june/ july 08 (exact details not sure cos my dates are different to theirs!

No what I would call official default notices from them, just 'ring us to make payment arrangements' and a letter from MC saying pay up or we'll take you to court etc. etc.

Getting Hopeful.....:)

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I can categorically say I did NOT receive a default notice in the prescribed form as specified in Cons Credit Act 1974 from Phoenix/Marlin. I only received Correct notices from HFC in 2007 and March 2008 at least 2 months prior to assignment to Phoenix. I haven't received a copy of agreement yet or deed of assignment but is what I have enough so far to go for a set aside?

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Have SAR ready to send to Marlin...think it may be £10 well spent re discrepencies in Assignment dates and more importantly legal default notices.

Intend to apply for set aside this weekend unless anyone of you out there with more knowledge than me advises otherwise.

Don't want to leave it too long as I hope to be starting a new job end of june and don't want to have to ask for time off the minute I get there to go to Court!!!!

"Also there's the why did you leave it so long?" question.

 

My reasons for set aside would be...

No legal default notice served by claimant,

Bad advice from DMC

Discrepencies over when the debt was assigned.

Telling porky pies on POC re default notice.

 

Do I have enough to start with?

 

Advice pretty please ;)

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Thanks FG.

 

Above are what I hope are the links to the default letters I received from HFC a copy of the POC and a couple of correspondences from Marlin. First time of using photobucket so sorry if it's a bit disjointed.

Edited by Spamalot
removal of account numbers

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Edited default hfc 2007 picture by Spamalot_bucket - Photobucket

 

edited hfc default march 2008 picture by Spamalot_bucket - Photobucket

 

Thanks FG. Have reposted as above.

 

Well spotted re the differences in amounts!! Didn't even notice that..

 

June 2007....failed to make MINIMUM MONTHLY REPAYMENTS TOTALLING £802.95.

 

March 2008....Failed to make MINIMUM MONTHLY REPAYMENTS TOTALLING £8973.92!!!!

 

The £8973.92 is actually the total arrears...ie whole debt not minimum payments.

 

Another loophole???????:p

 

The total debt in June 2007 was 9,695.44 and I had been making regular payments of just over £90 pm prior to both default notices being served and ever since.

I have never missed a payment as far as I am aware. The only possible time would be in the interim when I handed the control of payments over to my DMC. (Which I no longer use due to their bad advice!)

 

I do have the second pages of both defaults....do you need me to upload them too?

 

Thanks again for your help so far.:)

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Bumping for advice.....do I have enough for a set aside?

 

Bad advice from DMC

Dodgy default notices from HFC

No default notice from Phoenix/Marlin in the prescribed form after the debt was assigned.

Claim that Marlin sent default on POC....Porky pie...unless they count threat letters re court action prior to cour papers arriving as a default!!

 

Need to get the ball rolling as soon as poss on this one due to time delays already..:-|

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Thanks for the advice, Greatly appreciated.

I take your point re default notices etc.

Is it any value to me that the last default sent to me by HFC prior to assignment was incorrect and therefore perhaps not valid?

 

If so, would the default issued a year earlier come into play or what??

 

(As I said on an earlier post my credit report shows 2 defaults for the same debt. one from HFC and One from Marlin.)

 

AND as Marlin had agreed payments with my DMC after the default and they were paid regularly is It still in default as such?

 

Just general queries to try and get some facts straight...thanks

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WOW...Thanks Rob, I did not receive either notice by Special delivery and I did not take any action to remedy...I just carried on making my agreed payments via My DMC.

 

As the second default also has the wrong amount on the 'nature of the breach' does that make it a double whammy?

 

I can also confirm that I did not receive the NOA by any kind of recorded/special delivery but like a dumbass I did admit to having received it in writng when I wrote to MC requesting the copy of the Deed.

DUH!

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