UptoTheNeck v Marlin

[Uptotheneck]

Hi Guys

 

A follow on to the previous thread, I thought seeing as I am now dealing with Marlin.

 

This is the latest episode in the ongoing saga.

It doesnt worry me as I have been here before, when they find out I am only worth the shoes that I stand in, they will back down again.

 

Is there anything I can throw back at them?

 

 

Thanks for looking and the great advice so far

 

Regards

 

David

[count orlok]

I wish i could get one of those, I owe to much to get a DRO (think that is what the £90 BR for people that have nothing is called), and can't afford BR for myself and wife.

 

I know some Italian hand made loafers can be worth quite a lot, but they are more than likely bluffing, if they were for real they would do a check and if they found you had any property they would let you know.

 

well thats what i ekon anyway

[Uptotheneck]

If they find any property I hope they let me know lol

 

Regards

 

David

[keith57eng]

can anyone help with this, should be on a new thread, but not sure how to start one.

Just had a letter from Marlin, saying l have been pre-selected for a one off discounted settlement offer, debt is just 2k, by agreeing a full and final payment, or agreeing to an improved monthly instalment plan, plus a further reduction of up to £200 for contacting them at this time, what are they up to now,

Help and advice please

[jon888999]

can anyone help with this, should be on a new thread, but not sure how to start one.

Just had a letter from Marlin, saying l have been pre-selected for a one off discounted settlement offer, debt is just 2k, by agreeing a full and final payment, or agreeing to an improved monthly instalment plan, plus a further reduction of up to £200 for contacting them at this time, what are they up to now,

Help and advice please

Getting desperate for money I would say.

[keith57eng]

well l thought that myself, but we all know what scumbags they are, they want me to phone them, but l dont trust them

[mr.ton]

Dont phone them.

Just report them to the OFT & trading standards.

[jon888999]

Dont phone them.

Just report them to the OFT & trading standards.

Agreed, definitley the report them to the OFT.

[keith57eng]

Agreed, definitley the report them to the OFT.

ok l could do that, but for what reason they are just making me an offer, can OFT do anything about that

[Uptotheneck]

I was beginning to think they had forgotten about me, today I received 2 letters from Marlin's other alter ego, Bramber.

 

2 letters exactly the same, just folded differently.

 

They want payment in full immediately, failure to respond could result in:

 

county court for enforcement or they will call to collect my field.

 

That is a come down from Marlin's threat of bankruptcy!.

 

 

Regards

 

David

[jon888999]

I was beginning to think they had forgotten about me, today I received 2 letters from Marlin's other alter ego, Bramber.

 

2 letters exactly the same, just folded differently.

 

They want payment in full immediately, failure to respond could result in:

 

county court for enforcement or they will call to collect my field.

 

That is a come down from Marlin's threat of bankruptcy!.

 

 

Regards

 

David

Failure to respond could result in you getting a nice fat cheque from them in costs. When they lose!

Complain to the OFT and

[email protected] west sussex trading standards

Edited August 9, 2009 by jon888999

[babybear39]

Please report these cretins to TS and the OFT as threatening SDs was highlighted in the C4 dispatches programme. 1st crud are already on notice about SDs.

[sillygirl1]

That letter needs sending to TRading Standards, they CANT do a warrant of FI-FA or an Attachment of Earnings if you have been made bankrupt, that is the whole point of being made bankrupt!

 

The basis of a warrant of FI-FA is basically the same as an IVA but on a more formal basis, it means Funds In - Funds Allocated and then you get the rest - which is more than you would actually get with some IVAs.

 

What a load of twaddle they write - please report them to Trading Standards, the OFT and the FSA.

[sillygirl1]

I believe undescured creditors have very little chance of getting funds if you have been made bankrupt, everything you owe is put into the pot, regardless of 'priority' and funds allocated accordingly. Whatever isn't paid out of the bankruptcy CANNOT be chased again and any letters sent should be immediately forwarded to the Official Receiver. The OR will certainly be interested in their statement about the 'outstanding shortfall' and how it is dealt with!

[mr.ton]

Exactly right...it will cost them money to make someone BR & they would be right down the list of priorities

[babybear39]

To the OP:

 

If, and it's a big if at the moment, you get an SD from marlin, come and post straight away for us to help you with it Many members have successfully set aside SDs and won costs of a few hundred pounds each

[UnitedFront]

I haven't read your previous thread... but have you previously been provided with (or asked for) a copy of the Credit Agreement? Since the debt is GMAC I'm guessing it's some sort of car loan or HP?

 

Notorious for not having agreements, or the agreements being very questionable.

 

Cheers

UF

I am not a legal expert and I have no legal training. All of my posts are just my opinion and I cannot be held responsible for their accuracy or the way in which the information etc is used. If in doubt always consult a qualified professional lawyer.

 

 

[Uptotheneck]

Hi United Front

 

Yes it is a car hire purchase agreement. I have CCA requested them and I have received what appears to be an enforceable agreement, I have sent them the statute barred letter and so far had no reply to my letter, just more threats.

 

 

Regards

 

David

[babybear39]

Send them letter 14 from here:

 

The Consumer Forums - Debt collectors

 

Amend to suit, send recorded keeping a copy with your postal receipt, do not sign print your name and post their reply when/if you get one.

[Uptotheneck]

Thanks BB:)

[babybear39]

You're very welcome

[Uptotheneck]

The latest in the ongoing saga.

 

I received this today.

 

I am sending the letter about not being able to chase statute barred debts today as it happens.

 

 

Regards

 

David

[Spamalot]

Hi,

 

These people beggar belief don't they..

 

I'd be sorley tempted to say see you in court then, and then let them stump up the fees before falling flat on their a**e, but then that's how much I love Marlin..

 

Can't wait to see them in liquidation one day .... I can dream can't I

 

Spam.

[lickthewallfatboy]

Marlin can be beaten-it takes time,and a nasty streak on your part,but they have to admit defeat eventually

 

I speak from experience

[Spamalot]

Marlin can be beaten-it takes time,and a nasty streak on your part,but they have to admit defeat eventually

 

I speak from experience

 

Snap... they have just thrown in the towel and consented to setting aside the CCJ they got on me last year... didn't even put up the remotest fight! Looking forward to seeing them in the next round..

 

Spam.