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Old Egg Credit Card Agreement


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I have been contacted, by letter, today by Marlin Financial Services and they are chasing £3,622.62 debt on an Egg credit card dating back 5 years ago.

 

The Egg credit card in concern was taking out 5 years ago and when all the "hype" around incorrectly termed credit agreements where in the media l wrote to Egg requesting a copy of my credit agreement.

 

At the time l spent 5 months going back and forth with Egg trying to get my credit agreement. After much time they provided an agreement but it was not the agreement dating back to when l originally took out the agreement but a more recent agreement "template". Furthermore some of the prescribed terms where not within the agreement.

 

I wrote back and advised Egg the agreement was not enforceable and heard nothing back. Now last week l received a letter from Barclaycard stating that the debt had been assigned to Marlin and they will be chasing - which they are.

 

So my questions are :

 

1. I have requested a copy of the debt assignment from Egg to Barclaycard, via Marlin, and they have said they cannot provide this. Surely if the debt has not been assigned from Egg to Barclaycard then they have to legal right to in turn assign it to Marlin and therefore Marlin have no right to chase for the debt ?

 

2. Do Marlin have the right to negatively mark down my credit file ?

 

Any and all help would be useful.

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1. You have received adequate Notice of Assignment from Barclays.

2. Are Marlin acting on behalf of Barclays or has the debt been sold to them? Did Marlin refer to Barclays as their client??

3. Either way Marlin Must keep the credit file updated.

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Hi Hertsdebt,

 

Marlin have acquired/bought a large number of ex-Egg a/c's from BC recently and you'll see many recent threads reflecting this.

 

You will have already had adequate notice of this from BC, as stated by the Brig above.

 

The transfer from Egg to BC would have been covered by paperwork handled at the time.

 

I think your best move for now is to send a CCA request with the £1 fee to Marlin. You can use this from our library - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

See what reply this brings.

 

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