LLoyds have sold credit card debt to marlin europe

[oldfletch]

hi newbie here.

 

just got a letter from lloyds,

who i have repayment plan with (self admin'd)

 

with it came a letter from marlin europe v limited,

 

i am paying £40 pcm.

 

i have others with lloyds as well.

 

but this is for the credit card i had with them,

 

which is £3547.53.

 

now i have read about these people and how they conduct them selfs,

 

i have also just finished treatment for cancer

 

.i really dont need the stress of going all through the process again with Lloyds

 

.i am quite happy to carrying on paying the money back.

 

but where do i stand with this company called marlin.ny

 

help would be most greatful.

[Bazooka Boo]

Hi, welcome to CAG.

 

Try not to let these clowns drag you down to their level.

If you have an agreement with Lloyds to pay them £40 a month, and they have now passed it to idiots inc, then IMO that is them breaking the agreement.

 

That is a complaint in itself!

 

As for Marlin, you should ONLY deal with them in writing, NEVER discuss this with them over the phone.

Personally, as Lloyds have acted unfairly, I would drop the payments right down to £1 a month, how are you currently paying the bank? If it is via direct debit (DD) then you should cancel it, and only ever set up a standing order (SO) as that is something you control, NOT them.

 

How old is this agreement?

When did you take it out and how?

Was it pre or post 2007?

 

Deal with this in writing ONLY,

Keep a diary of events,

If they call you, just laugh and hang up.

[Stigman]

I know that you wrote that you also have other debts with Lloyds but...

 

Is any of your income also paid into a Lloyds Bank Account?

 

If you do then Lloyds can use this to offset your income against the debts that you have within the Lloyds Group, you need to open up another Account with a different Bank/Building Society and have your income paid into that Account.

 

Stigman

[dx100uk]

if they've sold it to marlins the I bet theres PPI or PENALTY charges to reclaim.

 

send an SAR to Lloyds

 

and

 

a cca request to marlin.

 

dx

[oldfletch]

hi bazooka boo,how and who do i complain to ?,the card was taken out after 2007 some 4 to 5 years ago,i pay the dept back over the counter with a paying book,and the card was taken out over the phone,lloyds phoned me to ask if i wanted a credit card,and at the time i could afford the repayments but when i became ill.i could not keep the repayments up to date.

[oldfletch]

how do i find out as to where i have to send the sar to as i am a bit confused.

[dx100uk]

homepage of this Lloyds forum

 

red/yellow 'sticky' post up top

 

dx

[oldfletch]

hi all i have sent cca and sar of what are my next steps.

[dx100uk]

you wait.

 

stay off the phone too .

 

the CCa requires them to reply with the docs within 12+2 WORKING days.

 

so that needs looking at this time of year.

 

as for the sar they have 40 calendar days

[oldfletch]

thanks for your reply,i have not and will not phone marlins,i am worried sick about this what can they do to me?,should i contact a debt helpline ?

[Bazooka Boo]

Marlins can do exactly NOTHING!!

 

They have absolutely NO legal powers whatsoever.

They are not bailiffs, they can only send you begging letters, they cannot do anything else.

[oldfletch]

hi all sent the sar of to lloyds on the 17th of dec but when i look on the post office track and trace it says its still in there system.i sent it to an adress in chatham kent would this be the right adress ?.

[dx100uk]

click the blue Lloyd bank up the top

and read the yellow/red stickies for ad details

 

and check

 

dx

[oldfletch]

its now been 13 days since i sent a cca to marlin

 

how long should it be before they reply

 

,and how long should i wait,

 

what will be my next steps.

 

and when they do reply

 

what should i do

 

.also my sar to lloyds is still in the royal mails system

 

.should i get in touch with royal mail track and trace to find out if postal order has been cashed.

[dx100uk]

let it run they have 12+ working days. for the cca

 

as for the sar often if you send sar to a pobox they don't get signed for

 

dx

[oldfletch]

thank you dx you say 12+ days is there a time limit? also the address i sent sar to is

Compliance Dept.

Mountbatten House

Military Road

Chatham

ME4 4JF would this be the right address

[dx100uk]

try again 12+2 working days sorry

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?11-Lloyds-Bank

 

1st sticky red/yellow thread

 

dx

[oldfletch]

sorry dx I

dont understand what you mean,

 

do i have to send another cca or sar as the sticky you pointed is not for a sar ,

 

but please correct me if i am wrong.

 

i am really confused.

 

that seems to be for debt management

 

do i need to send the sar to them ?

 

sorry to be a pain but

 

just confused

 

many thanks.

[dx100uk]

SAR goes to the registered office

 

Registered Office:

 

25 Gresham Street,

 

London EC2V 7HN

[Guest purplemushroomfairy2]

Hi Good luck.

i managed to finally get Marlin/Mortimer Clarke/ MCE portfolio to back off over a credit card

because they have no CCA and it has been in dispute since 2008.

 

So, CCA them and put it in dispute when they don't reply.

They will harass you for years,

 

I have another FOS complaint to go through and I am about to go to the OFT

regarding the agreed overdraft that has been in dispute since 2008.

They now say it's enforceable because they don't recognise s78 of the act.

Any advice on that one would be good, think it's s 74 and s 10.

 

In a nutshell, stay VERY strong, the guys on here are great, I am impressed you were able to post !

CCA, wait, dispute - really don't pay anything else once they have not sent you the CCA and you placed it in dispute.

 

If they do try to summons you, you can quite simply state in the defence that you have requested a copy of the CCA

and they have not complied- the court will then contact them.

 

We got a bankruptcy thrown out because the dca had not produced the evidence - you MUST CCA immediately.

I would even suggest don't pay a penny until they prove it, something about acknowledging the debt,

we have done that too, though always send the request

- letter from the site always works well.

I know there have been changes in the CCA regulations with more recent loans so check those changes.

 

So far, only one company has produced the original signed CCA out of a significant number. GOOD LUCK xx

[oldfletch]

thanks purplemushroomfairy2

 

what you are saying stop paying them ?

 

i have sent a cca to lloyds but seems i have sent it to the wrong address.

 

you say dispute do i have to download a template for that ?

or will the cca put that in dispute.

 

i dont have beef about paying the money back BUT not at their rate

 

they are the least of my worries

 

staying healthy is my biggest battle i live day by day.

 

i did pay my monthly payment to day to lloyds who then forward it on to marlin,

 

so should i not pay the next payment until they produce the cca ?

 

many thanks for your input.

[oldfletch]

sorry but what do you mean by ( though always send the request letter from the site always works well )

 

sorry for so many questions but need to get this right in my head.

 

also thank you dx your a great help.

[dx100uk]

let things run till Tuesday

 

if marlins have failed by then

 

send the failure to reply letter

 

then stop payments

 

dx

[oldfletch]

may i ask about the credit card.

 

if it was taken out before april 2007 has the law changes as mine was taken out in 2008 where do i stand.

 

as just a little confused as i dont want to make fool of my self.