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HeatherM

Need help with Marlin F S

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Hi guys, new here so be kind:smile:

 

My OH had a credit card debt of £2,861.53p with Clydesdale and was taken to Sheriff Court where a decree was granted and a time to pay direction was made. This included expenses of £260.70p plus 8% interest per annum. Payments commenced on April 2005, he never missed one, but on November last year Clydesdale transfered the debt to Marlin Financial services............he has a letter from Clydesdale dated Nov 2009 stating the balance was £2.042.23p. Got a new payment book from Marlin and carried on paying his £20 per month and all seemed fine until he received a letter from Marlin on June this year offering to reduce his debt by 10% for a lump sum of £2,411.34 and that the debt currently stood at £2,679.25.

 

This makes no sense to us at all...how could it go from the sum the Clydesdale stated was owed in November 2009 to over £600 more by Marlin's calculations. I have tried writing but I got a breakdown with interest at 41p per day and my sums are not that great to be honest.

 

Can anyone help? what can I do to get this sorted. thank in advance guys.

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naughty

they cannot vary the terms of the decree.

 

have you a total on the decree?

 

try using:

http://www.egalegal.com/compoundWindow.html

 

to work it out

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thank you for replying. The decree states: Sum decerned for £2,861, 53P with interest thereon at the rate of 8% per annum until payment, and granted decree against offender for £260.70 for payment of expenses. Payable by instalments of £20 per month commencing 7th April 2005. I tried working it out with your link but I think I must be doing something wrong.

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hi Heather and Welcome to CAG

 

it looks as tho the statement from Clydesdale did not include the interest

 

you are paying £240 per year and the interest started at nearly £250 per year and now down to about £215 a year

 

as this is via a court order the only advice i can give you at the moment would be:

 

if at any time you have extra monies that you can pay then do it to try and reduce it quicker

 

or if you were in a position to offer a full and final - don't be afraid to do so even if you feel it's not enough - they can only say yes or no


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Thank you Idainfife, I never thought of that. Silly Clydesdale again LOL. Offering Marlin a lump sum isn't really an option for us at the moment so they'll have to settle for the £20 per month.

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