marlin & old MBNA debt - prob already paid to another dca

[fdenasit]

Hello everybody, always found a lot of useful stuff on here but first time post as this is a bit more specific, need some help about the right thing to do.

 

A few weeks Ago, started receiving voicemails on my mobile from Marlin and Bramber asking me to call them which I never did.

never spoke to anybody on the phone as they would probably ask me to verify details which I won't do.

 

Just noticed today that an old debt for £150 (re)appeared on my credit file.

 

The debt wasn't there few months ago.

 

Itis linked to a credit card I had with MBNA.

 

I believe this debt was settled with a different collection agency ages ago...

. so long ago that I can't remember when and where I may have paid that money if I ever did..

 

. I remember contacting the credit card company asking about this outstanding amount on the account

but they told me, They wouldn't deal with it anymore.

 

i haven't heard from anybody since that. (currently living at a different address from the one where the card was registered)

 

The start date shown on the credit file for this debt is 01/10/05 and default date shown on the credit file is 15/10/07.

 

I have never acknowledge this debt to Marlin or Bramber.

 

What should be my next move??

 

Should I try to prove them that it has been paid already if it has?

I'm not sure of that... :-\

 

should I wait October to see the debt removed from the credit file and hopefully have the date status barred?

 

what can the debt collectors do as their next move?

 

is it worth paying this £150 if there is a risk of court judgment that would make my credit file worse??

 

sorry for the long and boring post but thought I'd give as much details as I have to get some advice from you....

 

Thank you.

[dx100uk]

can we clarify something.

 

are you saying that the debt def WAS on your cra file and vanished?

 

then the SAME debt has re-appeared?

 

dx

[fdenasit]

I believe it was yes... probably submitted by either MBNA or the first debt collectors

 

it was passed on in the first place to who I may have paid this £150 already (I'm not sure of this part too)

 

I remember seeing it on that credit file many years ago which prompted me to contact MBNA to ask why this amount was still showing

but didn't get anywhere with them as they told me the debt was passed on elsewhere.

 

However this was many years ago and nothing has happened until the last few weeks with phone calls and now on credit file.

 

maybe because in october the default will be 6 years old

[dx100uk]

an account that has dropped off due to 6yrs default expiry should never return.

 

if the listed default is oct 2007 then I doubt it did vanish and has returned.

 

however you need to deal with the payment to a dca that did not clear the debt

 

sadly this is quite common.

 

and marlin are the kind of dca that will 'join' this cash cowing scenario, hey give us some!

 

I assume the debt now shows marlin as the owner of the debt?

 

just to be clear on one point

 

the default date is NOT equal to the SB date,

 

typically, if a debt is defaulted on xxx date, the sb date can be upto 6mts prior to the default date.

 

pers

I think the debt is already SB'd

 

i'd send marlin the SB letter. fron the top library tab.

 

its for THEM to prove the debt is NOT SB'd

 

NOT for you to prove it IS.

 

dx

[fdenasit]

Thanks DX.

 

I understand what you're saying about the date, but sending them that letter with my current address,

would that not give them an opportunity to take things further in case if the debt isnt SB yet?

 

I will look over the weekend

 

if I can't find proof of that payment just in case.

 

I'm just worried that tehy can make me worse problems for a fairly low amount of £150.

 

.. and more worryingly why are they waking up so recently with calling my mobile phone.

.. that one really got me confused but thanks for your advice.

[dx100uk]

its called cash cowing

 

don't ever think that these DCA are not related and don't exchange info ....they DO.

 

many are run by people that have been in the industry for years

and split off and start their own companies.

 

so they know each other.

 

I suspect you did pay the debt

 

but sadly that money went straigt to their profit pocket to fund sending out another letter to some other poor soul

to try and spoof them.

 

DCA's are NOT BAILIFFS

and have no such legal powers.

 

don't fall for their spoofing tactics

 

send that letter

 

it cannot harm you.

 

dx

[BRIGADIER2JCS]

Hi Can you tell me EXACTLY what the credit file entry says?

i.e. the start date of the account: the default date shown: the date

of the last payment or written acknowledgment.

If the latter cannot be established, the default date will assist in calculating when the last payment was made.

 

Marlin have been seen to be 'resurrecting' entries on CRA files recently and need a strong challenge every time they do this.

 

I would be happy to draft a letter for you to sort this out.

[IainHL]

I would also suggest it might help to SAR MBNA, that should turn up the list of DCAs they appointed to deal with the matter, and thus might prompt your memory of whom you paid.