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Marlin financial chasing a debt i do not recognise


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Marlin finaicial sent the standard we think we know you are someone we want to extract money from letter in July and i duly sent them a prove it or go away letter.

 

This week they have sent me a copy of my online application as requested :(

 

this is a plain print of lots of my info including bank and employer details but no company specific info to tell me who if anyone the debt is origanted from or owed to now .

 

Info added but redacted

 

I am concerned that they sent this amount of personal info in response to my origianl letter and feels like a mis sue of personal data to me

 

Anyone feel the same ?

 

Plus whay shall i do as a next step ?

 

thanks

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Well I could have sent you the same info it you are on electoral register I would say again prove this so called debt including the original creditors name etc.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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They are supposed to let you know who the original creditor is. I agree with dpick. They must give you the complete story.

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If you have asked for proof and they are satisfied that you are the debtor they seek and the data refers to you there is NO breach of the DPA 1998.

 

What you should have done is a formal request for a copy of the regulated Consumer Credit Agreement (CCA request)

under sections 77/78 of the Consumer Credit Act 1974.

 

This will provide the original creditors identity.

 

Does this not show on the app form?

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Hi

No original creditor info on the app form no.

My concern was they sent a form with my bank account number, sort code , mothers maiden name and previous addresses plus full employer details

thanks

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obv nothing showing on your cra file?

 

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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Marlin did exactly the same as me, i requested a SAR and they could not provide me with the request only copies of the T&C's of the credit agreement, I let it go to court and obviously provided all parties with the information received and the correspondence from both parties

 

It was thrown straight out of court , they had to remove all info from CRA files , and i received a recompence for all of my inconveiniece

 

Good Luck

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