LLoyds have sold credit card debt to marlin europe

[oldfletch]

thats interesting reading how would i start a complaint.

[dx100uk]

can you please scan up hat you have got please

 

dx

[Bazooka Boo]

If you had an agreement with the bank, and they broke it and flogged this on, then start their complaints procedure.

As for Marlin they don't get to decide what you pay them, it is entirely YOUR decision, and they will accept it, they don't like it and will always demand more, but as long as you're paying something, then there is very little they can do.

£1 a month is perfectly fine, and get onto the bank and exhaust their complaints procedure.

[Guest]

thats interesting reading how would i start a complaint.

 

 

re bcobs and cred cards/overd's, note eg http://www.consumeractiongroup.co.uk/forum/content.php?834-Fair-Treatment-for-Credit-Card-Holders-and-Borrowers

[oldfletch]

dx100 do you want me to scan the agreement and put it up ?

[oldfletch]

how and where do i start i start complaint against the bank.

[dx100uk]

dx100 do you want me to scan the agreement and put it up ?

 

 

yes please

 

dx

[dx100uk]

how and where do i start i start complaint against the bank.

 

BCOBS

 

dx

[oldfletch]

right i have got the scanner to work do i have to block out any of the words, ie address,signture,or any other bits and peaces

[oldfletch]

if so can i block what i have to via the pc?

[dx100uk]

post 68

 

dx

[oldfletch]

having a nighmare i will have to get some one to help me.

[oldfletch]

been trying for a fair few days trying to post the agreement up on here,with no luck

 

i have word,paint,

 

any one give a easy way to post docs up.

 

dx did give me a guide

 

but can not get it to work.in

 

the mean time i sent a proposal to marlin on the 20th of march.

 

i got a letter from marlin to day asking me to fill a statement of means

 

,asking for my bank details,

employment details,

 

but in the letter i sent them i explained to them that i have just finished treatment for cancer,

 

and that i am only working part time and that my ofter was the same as i was paying lloyds,£40 pcm.

 

now what i would like to ask is do i have to fill in the statement of means is it law,

 

many thanks if any one can help.

 

all i want to do is pay the money back.

[intend]

Do not fill it in - only a judge can order you and it will not reach court - you tell them how much. i used dca last letter asking for an i+e to thank them for getting me to work out a new budget and then reduced the monthly payment. Is £40 affordable - if not then reduce.

[Stigman]

As above, only a Judge can ask to see such personal information.

 

Never give a DCA your employment details, they will only telephone your employers to embarrass and humiliate you into paying a lot more than you can afford.

 

£40 on part-time, can you comfortably afford this? If not you drop it, if it's only £5 a month, so be it.

 

Thank Marlin in your next letter, tell them you have now completed your own I&E and can only afford £x per month, this is my final offer.

 

Before doing the above, please have another go at uploading documents.

 

Stigman

[oldfletch]

what template do i need to use stigman.

[Guest]

CAB and National Debt Line for eg have authoritative common I and E forms for download.

 

could do one of those for yr eyes only. and then could for eg say, when/if writing, something like; having done my own form (eg cab) i can only pay x per mth. then just pay it/mth,

 

if thats what you want to do.

 

only do what you can afford, and then what you want out of whats spare.

priority debts/bills, and a bit of r n r, come first. (cred card debt is not classed as 'priority')

 

re bcobs, note for eg

 

http://www.consumeractiongroup.co.uk/forum/content.php?834-Fair-Treatment-for-Credit-Card-Holders-and-Borrowers

[oldfletch]

thank yo.

[Stigman]

Hi,

 

Income & Expenditure & Budget Forms attached.

 

Stigman

IncomeExpenditure.xls

[dx100uk]

here is the CCA

 

thinks its enforceable

though you have PPI to reclaim

 

dx

[oldfletch]

thanks dx s

 

o what are my next steps,

 

claim ppi s

 

o what should i do with marlin they want statement of means.

 

i have told them what i can pay them each month,

 

they also want a reply within 5 days.

 

write to them with my outgoings and my income.

[dx100uk]

no they are not a judge

 

you have all the statements?

 

dx

[oldfletch]

yes i do have all the statements but i canceled the ppi before the 1st payment was taken.

[Guest]

so no ppi to claim. anything else eg lots of charges?

 

if deciding to pay, just pay/mth, what you can afford having done one of those I and E for your eyes only, not theirs.

 

if they want an actual written reply; as before, could be something along lines of what stig etc say, and then just pay it/mth.

[oldfletch]

been looking at the statements

 

seems there are some charges so i will be asking for them back

 

what template will i need,

 

i also sent the i and e ofF today and told them what i can afford and what i offer them is my final offer.

 

but would like to say many many thanks for every one who has given advice.

 

i now feel more in control.once again thank you all.