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HSM v M&S Credit Card

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Hi SS,

 

I just read on another thread that Marlin refer cases to Mortimer Clarke solicitors for further collection activity.

 

However, Mortimer Clarke may be simply part of the same operation.

 

:-)


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Thanks for the heads up on Mortimer Clarke.....seems they were the subject of an undercover investigation by Dispatches a few years back who proved the 'firm' was just some phones on desks in Marlin's office.

 

I dont know if links to other sites are allowed, but I did find one that is part of an online campaign to get MC stripped of their licence.

 

Think I better be ready to expect the unexpected :)


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Hi SS,

 

Probably best not to link to another site but, if folk want to look further into Mortimer Clarke, they can Google it easily enough.

 

:-)


We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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I read somewhere that Marlin Financial were sold to Cabot recently.

 

In the last week Ive started to get 2-3 calls a day on my work telephone number (Im self employed and work from home) - they always ask me to go through security and I always refuse politely and put the phone down.

 

I think they are getting into a lather having seen the default date registered with the CRAs is 20.05.10......only thing is, this debt is statute barred from quite a while back. Last payment date October 2009, Default note dated early Jan 2016 with 14 days to rectify.

 

Fully anticipating getting a last minute court claim if they are working off their wrong date on file

 

Will have to formulate a defence that mentions statute barred AND change from storecard to credit card without paperwork :)


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Hi SS,

 

The date the a/c was defaulted is not relevant to the SB status, as you state.

 

SB is an absolute defence to a court claim so this is all you need to use. Then it's up to the creditor to show that you paid towards the debt more recently.

 

:-)


We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Aye - just fancied having an extra string to my bow in case I was to get some demented old judge who accepted the default date on my credit file was the relevant date.

 

Anyway will just wait and see if anything arrives in the post :)


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Should the CRAs automatically remove a 6 year+ defaulted debt or do I need to do something myself?

 

Just got an Equifax Report today, and was rather disappointed to see that this M&S Card debt is still showing despite an (incorrect) default date of 30.05.10


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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These reports do sometimes take a while to remove defaults . It will come off very shortly


Any opinion I give is from personal experience .

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Hi SS,

 

You can contact Experian and any other CRA showing this entry, reminding them of the default date and ask that the data is removed immediately.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Oh well....did another credit search today and the Cabot/M&S defaulted account is still showing there 12 days after it should have disappeared.

 

I guess its a complaint/request to Cabot asap. Equifax seem to have a labyinth of online menu options to follow before you can get anything done :(

 

Why is nothing straightforward?


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

Share this post


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Share on other sites

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