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    • Yes typed it, how would I input it any other way, probably timed out took over half hour. H
    • You typed it in? actually typed it all out? if so, maybe you took too long or something, like session timed out. Does the status show defence filed or no change?
    • Hi just typed all defence clicked next and it's deleted all. Any help
    • I forgot to say, there is one last possibility and that is that they will receive your letter of rejection and simply fold, accept the rejection and refund you. Don't wait too long for this. Seven days maximum – but in that seven days you could send your letter of claim anyway and when that you don't hear from them or when they start mucking around at least you are seven days closer to beginning the legal action – and they will know it (which is the important thing).
    • Okay that is excellent that you have an email between the garage and the warranty company confirming that there is a serious problem with the gearbox. That is very powerful evidence. I think the situation is this: you have sent them a letter of rejection but the reputation of big motoring world is that they won't take a lot of notice and they will try to prevaricate and maybe even blame you. Clearly you don't want the car any more and anyway it sounds as if the cost of repairs is going to be enormous. You don't know if the warranty company is going to step up to the mark but the whole thing is going to take a long time and I understand that you have lost confidence in big motoring world because of this event and also their reputation which you are now discovering on Facebook and on this forum and no doubt elsewhere. On the basis that you don't want the car any more and you want your money back, you need to hurry things along. I think the first thing is that you need to decide if you are prepared to bring a claim in the County Court. Even without the warranty money, the claim is worth more than £10,000. For actions less than £10,000, you bring a "small claim" and this means that even if you lose the case you won't be liable for the other side's costs. If you win the case then not only will you get your money plus interest but also you will recover all of the costs of the action. For actions more than £10,000, you go to something called the "fast track" and in the event that you lose the case, then you could be liable to reimburse the winner some of the costs. This means that in addition to not recovering your own money, you would lose your own court fees and also you would have to to bear the costs of the other side probably something less than £5000 – but as a rough guess. If you bring your court claim then your chances of success are almost 100%. Frankly if you brought a court claim then I can imagine that big motoring world will put their hands up and pay you out rather than face go to court and losing and getting a judgement against them. However, it you need to consider that this is a risk factor – although my view it is a negligible risk factor. If you did bring a court case, it wouldn't be instant. If they put their hands up then it would probably happen very quickly. If they didn't put their hands up then you could take anything up to a year for the matter to be resolved and during that time you would be without your car and without your money and in the middle of litigation. I'm explaining this to you say that you understand how it works. Bring a court case would be really the last resort when everything else has failed. However, I'm quite certain that you would win and it would be stupid of big motoring world to try to resist. In order to bring a court case you would have to send a letter of claim giving them 14 days to accept rejection and organise the refund otherwise you would begin the claim. Don't imagine that you could bluff this. If you did send a letter of claim then you would have to go through with it otherwise you lose all credibility and you might as well pack up and go home. So with this in mind, here are possible courses of action you could take. You can simply wait and see what their reaction to your letter of rejection will be. However they may not reply or else they may find some other reason to delay and of course during that time you will be without your car and without your money blah blah blah, not knowing if big motoring world were going eventually to start acting sensibly and respectfully towards you. The second thing you can do – and I think this has been suggested on Facebook – is that you can go along there and simply make yourself present and talk to other customers and generally speaking make a nuisance of yourself and embarrass them to the point where you would be explaining to other potential customers to be careful, to look on Facebook, and to do some careful research before they put their business to big motoring world. This has a reasonable chance of success although you would have to be careful. You should go accompanied by a friend and there should be no anger, no arguments, nothing that could be considered as being overly aggressive so that big motoring world would have no justification in kicking you out or even worse, calling the police. If you did this, then I would suggest that you record everything on the telephone carried in a pocket. A fully charged battery will probably keep a voice recorder and a telephone going for more than 20 hours or 30 hours. The other person can video any incidents so that everything is clear and you can inform big motoring world then it will be going up on the Internet. If you did this, my favourite option would be to issue the letter of claim giving them 14 days, and then going along to big motoring world with a copy of your letter of rejection and a copy of the exchange between the mechanic and the warranty company and a copy of your letter of claim – all settled together – and probably about 20 or 30 copies in all and I would start handing them out to any customers who came in. Big motoring world will soon get the picture and they will either move your the premises in which case you stand outside and carry on doing it or they will finally give in. Of course there is a chance that they won't give in and they will simply call your bluff – but in that case I think you have no choice other than to follow through with your 14 day threat in the letter of claim and to begin the legal action. At the same time you should be putting up reviews on Google and also trust pilot explaining exactly what has happened and also explaining that the mechanic has confirmed to the warranty company that there is the serious problem, that you have asserted the right to reject and that this is been ignored by big motoring world and that you have now sent a letter of claim and that you will be starting a legal action in 14 days. Once again, don't bluff about the legal action. If you threaten it – then you must mean it – and on day 15 you click of the claim. You don't need a solicitor for any of this. It's all fairly straightforward and of course we will help you all the way that it the decision is yours to make and I think you need to make it fairly quickly. I think the cost of starting an action for about £13,000 is 5% and then also if it goes to trial which I would say is almost impossible – there would be an additional fee. You would claim interest at 8%. A judge might award a lower figure but frankly if you can show that big motoring world is attempting to ride roughshod over your very clear statutory consumer rights, I can imagine that the judge will want to show displeasure by awarding the full 8% which is a pretty good rate – even though it's not compensation for the hassle and the distress you are going through. If you decide to get solicitor, then if you win the case, because it is over £10,000 you will recover some of your costs but you won't recover all of them. If the solicitor begins by having exchanges of letters then I doubt whether you will be up to recover the cost of those and you could easily find that you're chalking up 500 quid or even a thousand simply on initial exchanges of correspondence. Also you need to bear in mind that if after having exchanges with a solicitor, big motoring world cave in – then you definitely won't get those costs back because you won't have gone to court and therefore a judge will not have made the order for payment of those costs. I suggest very strongly that you avoid paying any money for a solicitor and that you do it yourself. It's not a big deal – although you will have to you react quickly to the help we offer on this forum. Also, an additional benefit is that you will learn a lot and you will gain confidence and eventually you will feel good about suing anybody else who gets in your way. Nothing not to like! If you do decide to instruct a solicitor then you must take control of the solicitor. Most of them prefer to sit in an office writing letters on the clock. If you do decide to instruct a solicitor then you must instruct the solicitor very firmly that they should send one letter of complaint giving seven days. A second letter – a letter of claim giving 14 days and that they must then begin the action. If you don't do this. If you don't take control then it will simply cost you money, you will be without your car even longer and of course without your money. The whole thing is a nightmare. I think I've laid out the options but please do ask questions. I hope you can see that this is the kind of advice that you won't be getting on Facebook. Nothing against Facebook. It's good as a meeting place and to make people realise that they aren't on their own – but after that the advice given is weak and confusing.  
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I owe Egg 5,000 but not heard anything from them since may 2009 ? Whats going on ?


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Ok am overhauling my debts this week !

I owe over £5k to Egg and all i can find is 2 letters.

 

1 id dated june 2009 from eggs solicitors saying they want payment within 7 days or will start legal prpceedings.

 

-the other is from same solicotors 9 collect direct UK )

 

in May saying i`m to pay 327 pounds monthly for 6 months as arranged

( prob did arrange but cant remember and didnt pay ).

 

I`ve checked my credit file and they issued a default in April 2009 .

 

I have no idea when i last paid this and it could be over 6 years ago

as i found the card and that expired in 2005 !

 

However i`ve obviuosly admitted the debt over the phone in 2009 ?

On my credit file there is no other details apart from the default-i mean absolutely nothing !

 

I`m thinking of sending SAR to Egg (who i think have been bought by someone else ? )

but will that stir up and start court proceedings etc?

 

Cant think how else i can find out if its SB and thats why they`re not chasing me up .

 

I probably paid PPI too ?

x

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Hi there

 

Egg have been bought/taken over by Barclays.

 

Well you have a choice here...

 

1 Keep quiet and don't rock the boat

 

2 Go for a reclaim on your charges and ppi which will probably clear the debt and give you something in your pocket.

 

What would you like to do? I mean what end outcome are you trying to achieve?

 

ims

 

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You would need to see the statements to see when the last payment was do and that would require a SAR to Barclays... which will probably prick them into action.

 

As for the SB, you CANNOT unSB a debt by talking or admitting the debt on the phone, it must be either by payment or in writing so... as long as you have not admitted the debt in writing or paid anything for 6 years (5 in Scotland) its stat barred, the default date MAY not be accurate, Barclays tend to default after three months of non payment but dont always remember to. I have no experience of Egg so unsure how accurate they were keeping records

 

S.

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Last payment made march 2007 ? x

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Well not Statute Barred then till Mar 2013 or 2012 if you in Scotland

 

Keep stum, you know it makes sense

 

Yes will deffo x thanks

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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No ! How long did you go without hearing anything ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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  • 3 weeks later...

On the 1st October 2009, Egg sold millions of pounds worth of Credit Card & Loan debt to a company that buys debt for a few pence in the pound.

 

It is possible you are one of those, have another look at your credit file and see if it has been updated with the name CABOT.

Dispatch, “We have a 911, Armed Robbery in progress, see Surplus Store corner of Peebles Drive and West 24th Street”

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hi

I,ve looked and nothing on. Y credit file since 2009 x

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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  • 1 year later...

well this is actually SB I think in Mar 2014 not 13 ill double check, but have suddenly started getting letters from DCA .

Now do I admit and start paying the debt but do SAR as am certain I paid PPi and actually argued wither on the phone re having to pay it.

If I ignore am I risking a .ccj.

MY goal is to have a fabulous credit file in about 18 months . I've ignored as heard nothing for literally years until recently .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Marlin or Moorcroft?

 

Moorcroft if Barclays think you will pay up. Marlin if you are a refusnik. Marlin are segmentating to weed out the vunerable and get to the proper refusniks.

 

Marlin will and do litigate. Your own circumstances dictate what you do of course and depends what is most useful to you. But an unengaged account will be treated as a wont pay. So to your question if I ignore am I risking I would say if they can trace you and get a positive id (CRA's etc. They cant be far wrong as already writing to you) then I would suspect you will be getting a court claim if you remain unengaged with them.

 

Again if its Marlin they are on a letter cycle and this week its the start of the threats. The phising and i/e letters have already been deployed.

 

A few threads up and running on the forum will give you a flavour of what has happened

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Thanks.

Its Barclays now but letters from Marlin ?

I was looking and thinking of maybe sending Marlin the letter template re no contact for 6 years or will i just infuriate them.

If ERgg have sold to Barclays who would i SAR-Egg?Varclays /or Marlin ?

And thanks

ps what is a refuseniks ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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No its not Barclays your account has been sold to Marlin. They own it. One of your letters should have been the assignment notice telling you this. Might have just not really noticed if you been ignoring.

 

Personally from what I have read of your thread I would be finding out the date of last payment or acknowlegment of the debt if you can from your own records. If its over 6 years in england then its Stat Barred and the stat barred letter should see them off. This date is crucial to what you do next.

 

Old Egg statements if you have em. Understand it was internet bank so maybe not. Your own bank statements for DD's out to Egg.

 

If its very nearly 6 years then you have to string this out to get to 6 years. But as you dont know cant advise really.

 

SAR if you want one would be to Canada Square Operations (What Egg is known as now) in Worthing. Full address will be on Google if you do want this.

 

Refuseniks are people who refuse. Sorry just meant the wont pays. I.E the debtor has despite having the ability to pay has made the decision not to pay for whatever reason. So someone who is conciously refusing to pay by ignoring all correspondence even if they have the ability to pay is classed as a wont pay by the industry. (not my words just how the industry regards clients)

 

That account is very different to someone who cant pay as say they lost there job or such. Both aint paying but the DCA is now having to work out the cants from the wonts.

 

They should be very very different collection strategies for both types.

 

If you read the numerous Marlin threads now on here you will realise Marlin are a very different animal to the now defunct Egg bank. Like I said if they pin the debt to you via a positive trace/id and your choice is to ignore would suspect a letter from Northampton will be with you.

 

If your goal is that shiny clean credit file in 18 months I would treat the news Marlin has the account as a real and present danger to your dream.

 

Finally looking at your dates on your first post. Your default date is 3 months after ours. We went down to £1 per month 6 months before they defaulted us. They didnt hang around. Think if you had stopped paying a couple of months earlier you would have been in the Apex assignment with us in Nov 2009.

 

So again that date is crucial because it could be as late as spring 2009 which means SB isnt until spring 2015. Way too far out just to be looking at wasting a couple of months.

 

Cant advise you enough to start treating this as a primary concern and a real threat to what you want to do in the future.

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Thank you so much Ken.

Will have to make this quick as got to do school run-found recent letter from Marlin-it says that as ive not responded they are considering advising their CLIENT to take further action to recover the debt ? This gives the impression they are the solicitors not the owners of the debt ?

I have a feeling too that i went back into my old lloys bank account and just maybe found the last payment which came out which is why i previously came up with the date mar 13 as statue barred so will chase that up to.

I really want to avoid a CCJ at al costs so thank you for your advise and honesty

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Share on other sites

Your welcome

 

The thing with Marlin is they are a debt buyer (they own the debt after purchase) who then sub contract the debt collection to oh yes you guessed it Marlin. Smoke and mirrors to confuse joe public

 

So Marlin can say they are going to refer you to their client Marlin for further action. What they mean is they will pass it over to the next desk but have given you the client the impression its a different entity.

 

The tame solicitor for rent is Mortimer Clarke so you not with them yet. But you will be if you continue to ignore without good reason.

 

That date is growing in importance Mooshy. Like I said finding this date through your own means is rapidly becoming top need for you to do. Be it your records or a SAR to Egg. Understanding the SAR to egg can take a considerable amount of time and may not reveal what you are after.

 

I do find it strange that egg didnt default you for 2 years with no payment what so ever. But that said you never know with banks.

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Ok if i SAR how can i bide my time with Marlin in the meantime and without admitting to the debt incase its SB or is that impossible ?

I dont want a CCJ thats my priority.

I think ill just set upa payment plan ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Share on other sites

Prove it letters will give you time. Requests for your CCA will give you time but you have then bolted from cover so to speak.

 

Marlin have flushed you out and have a positive id/trace.

 

You have to follow your own path as this is advice and that alone.

 

Personally I would be SARing Canada Square at Worthing, sending a prove it letter to Marlin saying you dont recognise the barclays account and getting as much info from you Lloyds account to see if you can find the last payment.

 

If the prove it comes back with the proof it is what you think it is and you havnt got the info from your Sar or bank satements then CCA rquest to Marlin. This is all delaying tactics to get the info about that last payment. But also think hard did you acknowledge in writing anything.

 

Once you have the info and the prove it and CCA have not helped you, then would be the time to make payment offers if indeed the debt isnt SB.

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Thanks.

OK if I SAR Canada SQuare and send for CCA to Merlin at same time ( so as not ignoring Merlin but asking for proof ) do either of these letters mean I have admitted the debt which I'm very suspicious is SB .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Thanks.

OK if I SAR Canada SQuare and send for CCA to Merlin at same time ( so as not ignoring Merlin but asking for proof ) do either of these letters mean I have admitted the debt which I'm very suspicious is SB .

 

No not at all, you don't know these people, have nothing linking them to any debt you have ever had, you are questioning their authority to even contact you, that the account details are correct ie, dates, balances etc.

 

without this how are you to know you are paying the right person?

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Thank you .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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