Marlin got Nram debt, now want medical and benefits info?

[sadsue]

Hello,

 

For the past few years I have been repaying a small unsecured loan to Northern Rock,

with a token gesture payment of varying amounts owing to being in receipt of Employment Support Allowance

as I am suffering from multiple health problems.

 

As you're probably aware N Rock have passed several of their debts over to a company called Marlin Financial Services,

mine included.

 

While Marlin have agreed that I may continue to pay the same rate per month that I was paying N Rock,

they have requested that I produce medical evidence to support my claim that I'm actually unwell.

 

I do have written proof but I don't see why I should send it to them,

they aren't after all in the medical or legal profession.

 

My question therefore is would I be within my rights to deny their request for medical evidence?

 

Many thanks for reading.

[fkofilee]

Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

[sadsue]

Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

 

Thank you, That's what I thought, but I wasn't certain.

 

Actually I've just re-read the letter from Marlin.

 

They've said that in order to assess my affordability to pay a minimal amount

they require proof of my benefit AND medical proof.

 

Northern Rock already have/had this, s

o I'll stick to my guns and refuse to offer further evidence.

 

I just hope they don't issue me with a statutory demand if they think I'm being obstructive.

Thank you for your reply fkofilee.

[fkofilee]

Youve been making payments right? (Rhetorical question )

Well even if they were to try any legal action the judge would beable to see what you are paying.

[dx100uk]

send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

dx

[sadsue]

Youve been making payments right? (Rhetorical question )

Well even if they were to try any legal action the judge would beable to see what you are paying.

 

Yes I have been paying, albeit less than they would like.

[sadsue]

send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

dx

 

Thanks for the suggestion dx,

but I don't think that would work,

I've already acknowledged the debt when N Rock were in possession of it.

 

Well ...

.. I've just written to Marlin and apart from other things I've told them that my ill health is between me

and my health professionals, and not for the prying eyes of debt company employees.

 

So I won't be issuing them with any medical evidence ....

. not now

..... not ever.

[filrobbo]

What is the debt made up of , is there any unlawful charges or any ppi. That's why DX is asking what sort of debt is it.

[sadsue]

What is the debt made up of , is there any unlawful charges or any ppi. That's why DX is asking what sort of debt is it.

 

Sorry, my mistake.

I took an unsecured loan of £3,000 out with Northern Rock in Feb 2004, for home improvements. I now owe just under £1,400.

[filrobbo]

Is there any charges added on to this amount

[filrobbo]

Also you mite want to ask for cca

[sadsue]

Is there any charges added on to this amount

 

No, the interest has been stopped.

[dx100uk]

£3k from 2004!!

 

and you've only payed half off...cash cowed!!

 

stop paying and get an sar off to NRAM.

 

and a CCA request to marlins

[sadsue]

£3k from 2004!!

 

and you've only payed half off...cash cowed!!

For a large part of this period I've either been in receipt of JSA or ESA, so consequently most of the monthly payments have only been token gestures of between £1 & £4, hardly making them wealthy.

 

stop paying and get an sar off to NRAM.

 

To what end? I don't understand how this would be of benefit to me?

 

and a CCA request to marlins

 

Can I do that when I've already acknowledged the debt?

 

 

Thanks for your reply.

[Mike_hawk]

CCA request can be useful.

 

SAR… given the limited value and the possibility of a few charges to the account to reclaim it could be a tenner well spent.

 

Do you have statements for the entirety of the term to date?

[sadsue]

CCA request can be useful.

 

SAR… given the limited value and the possibility of a few charges to the account to reclaim it could be a tenner well spent.

 

Do you have statements for the entirety of the term to date?

Yes, I think so ....

 

 

I could try a CCA request and see what happens. I did request one a few years back when N Rock temporarily passed my debt on to Eversheds ( what a fiasco that turned out to be), and they did produce it.

[Mike_hawk]

I'd be inclined to CCA it again and reconcile the prescribed terms with your payments (and current debit balance)

 

SAR to original creditor if you have any statements missing, even a handful of charges from 5 years ago could knock 10% off the balance now.

 

I appreciate £11.00 for the two is a lot of money if you're on a tight budget but it will hopefully prove fruitful.

 

If you are able to identify any/all charges it would seem sensible to start the process of demanding their return + interest.

[sadsue]

Thanks Mike ..... something to think about there. I'll sleep on it.