LLoyds have sold credit card debt to marlin europe

[oldfletch]

also can they still add intrest.

[dx100uk]

after apr 07

 

it is a little bit more diff to use the failure of them to supply a signed CCA

 

as the rules change

 

if you took this out in 2008 odds on

the CCa will be compliant.

[dx100uk]

also can they still add interest.

 

if the agreement/card has not been terminated then yes they can.

 

dx

[oldfletch]

i am sure the card was canceled would that make a driffrence,as lloyds stopped all the interest.

[dx100uk]

if they terminated the card you should have had a letter

default notice

then a termination notice

then a notice of assignment to marlin when they sold it.

 

if Lloyds stopped interest

but didn't terminate , then there nothing to stop marlin adding it back

[but we can counter that later]

[dx100uk]

if you didn't get the CCA return today frommarlins

 

fire off the failure to comply letter from the library after the morning posts arrives

and its not come tomorrow.

 

then you can safely stop payments

and put the debt into serious dispute

till the y fins a CCA.

 

[which I suspect they will]

or atleast try a recon]

 

how did you take the card out please

did you sign anything?

 

dx

[oldfletch]

card was taken out over the phone but

 

can not remember if i signed anything

 

i do have terms and cons.

 

sent failure to comply today,

 

i also did get a default notice.

 

but can not remember if i got a termination notice,

 

but do have a assignment letter which came with a letter from lloyds.

 

once again many thanks for your help.

[dx100uk]

ok well let it run then.

[oldfletch]

i got my paperwork back from lloyds today sar and amongst the papers there is a credit card agreement as well as loads of paperwork,ie statements,and everything else lloyds have on me.but nothing back from marlins as yet.what would be my next steps.

[dx100uk]

ok so whilst await marlin to not find the CCA

 

got any penalty charges or ppi?

 

dx

[oldfletch]

i believe there is but will have to go through all the statements they sent me.

[oldfletch]

been looking at the statements

 

i cancelled the ppi in the 1st month,so no ppi

 

seems there are charges but lloyds did not send all statements

some missing as they could not find them,

thats what is says on the letter i got with my sar.

would the charges still show on statements.

 

the reason i ask is lloyds stopped all interest

 

,there is some showing for late payment,

would these of been taken off when the interest was stopped

or would have been put to the final amount oweing.

[dx100uk]

the £12 penalty fees I doubt would have been refunded.

 

if that's what you mean

 

dx

[oldfletch]

yes that is what i mean,so should i reclaim them or at least try?

[oldfletch]

how do i go about trying to reclaim charges,many thanks if you can help.

O,F.

[dx100uk]

link 3

 

dx

[oldfletch]

thank you.

[oldfletch]

another note i have been reading other posts and in some it says do not sign letters would these include sar and cca requests?.

[dx100uk]

you sign the SAR only

and include any old addresses.

dx

[oldfletch]

i also signed the cca request that i sent to marlin as well,also the follow up letter.where will it leave me,,,,

[oldfletch]

still no reply from marlin sar sent also compliance letter also sent but no reply,how long can i expect to wait.

[oldfletch]

should i now apply to get late payment refunded.

[dx100uk]

what date did you send the cca

 

dx

[oldfletch]

30th dec 2013.

[oldfletch]

sorry got the sar back from lloyds but no cca from marlin.