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Marlin Default on old BH car loan - returned car years ago!


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Hello,

 

Apologies if this is already in the forum somewhere but I am hoping someone can help.

 

I am new to the forum but am having some issues with Marlin financial and a Default that I didn't know about... and i've never heard of Marlin!

 

Basically I had bought a car in 2003 through black horse finance and in 2005 returned the car and settled the finance, however I have just checked my credit report and have seen a default for car finance on my credit file from Marlin financial?

I have never heard of them but by googling them I have found that they are a debt recovery agency.

 

So please could someone advise me:

1) Can they do this?

2) How can I remove this from my file?

3) Who do I complain to?

 

Thank you in advance.

 

Matt

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i would suspect that there was a spoof charges you did not make

BH knew they could never enforce it

so sold it to marlin

the default date should be from when you returned the car

and not of recent.

 

when a dca buys a debt

all info get changed to their name.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thread title changed slightly

moved to BH forum

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

wht date is on the default

is it correct do you think

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

when did you vt the car?

 

it should be abt that date?

marlin are just a dca that hasbrought the debt

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi,

 

It was before 2008, in 2005 i sent the car back.

 

Should I contact them and ask them why this has happened?

 

My issue is that this will now be on my credit report until 2014!

 

Surley they can't just place a default onto the account without my knowledge?

 

Matt

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the default should have gone on within 6mts of 'whatever' they deemed caused them to do it

 

yes i'd complain

 

and to the cra

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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