marlin claimform old M+S card debt 1998!!

[wishboneash]

i was in debt managment company dcm apex 2001 to 2008 when it went out of buisness they paid this debt not on my experian records ?

[wishboneash]

hi had a letter from Marlin and phone call that they had an old debt my experian records show nothing listed ? , this was paid off by the the now defunct DCM APEX who went bust

[Bazooka Boo]

Still none the wiser?

Do you need any help with a debt?

[Conniff]

Don't do anything and don't respond to the letter or talk to them on the phone. If you have a debt, it is up to them to show proof of that debt so just ignore them.

[wishboneash]

ok thanks i found a old debt letter from another company it has been sold on thank you it must be about 9 years old

[dx100uk]

ignore until/unless you get a claimform?

 

dx

[wishboneash]

got a letter through this morning instructed via marlin that thy want to ask a court to put a ccj against me

 

this is a old debt from 2003 my credit file is clean no ccj on it

 

the threat is a charging order against me this was a old ccj from 2004 thanks

 

if you intend to defend the claim pleas contact us now to explain the basis of the dispute

[wishboneash]

got a letter through this morning instructed via marlin that thy want to ask a court to put a ccj against me

 

this is a old debt from 2003 my credit file is clean no ccj on it

 

the threat is a charging order against me this was a old ccj from 2004 thanks

 

if you intend to defend the claim pleas contact us now to explain the basis of the dispute

[dx100uk]

please keep to one thread per debt...

 

can you scan up the letter please?

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[2Grumpy]

write back to the solicitor saying that there is no debt, the account was paid in full many years ago

[oleg]

write back to the solicitor saying that there is no debt, the account was paid in full many years ago

How do you know that?

Or are you applying F o t l "logic": someone else bought the debt,

so it no longer exists?

We don't do Fantasia here!

[oleg]

Wishbone hi

Much of what you write is, quite frankly, hard to understand.

 

Scan and post the letter, as requested, or type it up.

 

Also, give a bullet pointed timeline *from the inception of the credit agreement*: dates and key events.

 

btw, both Apex and Marlin were acquired by Marlin so in effect the debt has, it would seem, merely undergone some internal shuffling about.

 

I presume the solicitor, who you have not named, is Mortimer Clark?

They are more or less an in-house hit squad at Marlin.

 

Please give us clear and concise information if you seriously want us to help you.

 

Thanks.

[wishboneash]

ok thank you was still feeling the effects of food poisoning when i sent post ,

i ripped up the letter if they send another one i will scan it for you

the solicitor is Mortimer Clark thank you for you help

[oleg]

Hello Wish

I hope you feel better.

 

You said you got a letter from Mortimer Clark that they "want to ask the court to put a CCJ against [you]."

 

But then you say "the threat is a charging order" and this was an "old CCJ from 2003".

 

This is baffling.

That's why I asked you to give us a clear concise time line of key events, a series of bullet points.

 

Dates plus what and who from, etc..

 

Let me be blunt.

 

You need to act and you need to do so NOW or they WILL obtain judgment by default if they consider it worth their while.

Marlin do not mess about.

 

How could you destroy what may have been an important letter?

From now on, throw nothing away.

Does this mean you also threw away all previous mail and so cannot reconstruct your timeline?

 

Do not be surprised if the next letter is from the court.

If so, pls post here without delay. Scan it up. Do NOT throw it away.

 

Sorry if I appear to be hectoring but just trying to help you to help yourself and avoid something you might regret.

[wishboneash]

Hello Wish

I hope you feel better.

 

You said you got a letter from Mortimer Clark that they "want to ask the court to put a CCJ against [you]."

 

But then you say "the threat is a charging order" and this was an "old CCJ from 2003".

 

This is baffling.

That's why I asked you to give us a clear concise time line of key events, a series of bullet points.

 

Dates plus what and who from, etc..

 

Let me be blunt.

 

You need to act and you need to do so NOW or they WILL obtain judgment by default if they consider it worth their while.

Marlin do not mess about.

 

How could you destroy what may have been an important letter?

From now on, throw nothing away.

Does this mean you also threw away all previous mail and so cannot reconstruct your timeline?

 

Do not be surprised if the next letter is from the court.

If so, pls post here without delay. Scan it up. Do NOT throw it away.

 

Sorry if I appear to be hectoring but just trying to help you to help yourself and avoid something you might regret.

ok thank you i just got my credit report and its not listed at all from experian regard

[dx100uk]

are all your old addresses listed ?

 

dx

[oleg]

Correction to my post of 4 April [too late now to edit]

Apex and Marlin were both acquired by *Cabot*.

.

[wishboneash]

by agreement between marks and Spencer and the defendant on or around 01-07-1998

agreed to lend the defendant monies under the terms and condition set out therein in breach of the agreement

the defendant did not pay instalments as they fell and the agreement was terminated

 

no date given ( on court claim ) the agreement was assigned to claimant on 15/02/2013 the claimant claims £477.91

 

interests pursuant to section 69 of the county courts-acts namely £460.89 and continuing amount claimed £ 938

[dx100uk]

are you saying you have got a county court claim form {N1]

 

and marlins are taking you to court?

 

dx

[wishboneash]

are you saying you have got a county court claim form {N1]

 

and marlins are taking you to court?

 

dx

 

yes they sent a claim against me the original loan was from 1998 defaulted i think 2001

 

they want 477 pound plus court fee and a further 500 pounds interest

i sent a postal order and letter for original credit agreement to Mortimer Clarke and marlin

[dx100uk]

right you need to get moving then.

 

can you please scan up the claimform

 

REMOVING pers details

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[AndyOrch]

What is the date on the claim form ? have you acknowledged service using the on line MCOL website? You have 19 days from the date on the claim to AoS.

 

Andy

[dx100uk]

please read the instructions....

 

you need to PDF attachments

 

dx

[wishboneash]

yes i have contested it also i have sent off for a sar to m and s £10 its night mare trying to attach a file from this computer

 

also postal order off to solicitors and marlin one pound each to see what they have