LLoyds have sold credit card debt to marlin europe

[oldfletch]

both sar and cca were sent on the 30thdec2013.

[dx100uk]

sri knickers in a twist time.

 

you've sent the failure to comply for the CCA

 

so the ball is now firmly in marlins court

until/if they find the CCA

they can do nowt.

 

dx

[oldfletch]

just got a letter from marlins they enclosed a statement of Account received from lloyds, BUT still waiting for my credit card Agreement,and can confirm your Account is on hold while in dispute.do i just wait till the c/c agreement comes and not make payments.

[dx100uk]

correct

 

dx

[oldfletch]

thank you,could this take a while.

[Bazooka Boo]

The longer the better, it should only take them 14 days, but more often than not, they fail and send it months later.

[oldfletch]

still no reply from marlin seems a waiting game,

[intend]

probably sold with no paperwork cos LTSB could not find it - if they had it doubt would have sold it - in for the dca merry-go-round

[oldfletch]

lloyds sent me a copy of the c/c agreement with the sar.

[intend]

strange - sure i have read on here that they do not send a cca with a sar. Also i believe not usual to sell a debt when they can enforce it.

[Bazooka Boo]

What is the state of the agreement?

[oldfletch]

sorry but not to sure what you mean by state of agreement.not meaning to be rude but dont quite understand.

[oldfletch]

thats what they sent there is over 200 pages of paperwork and most diffently sent a photocopy of the agreement.

[oldfletch]

sorry not been able to reply but internet been down.

[Bazooka Boo]

Yes sorry, what I meant was, is the agreement enforceable?

Is it legible and does it have all of the prescribed T&C's??

[oldfletch]

how would i know if it is enforceable,i will have to check the paperwork to see if the t/c are there but i am sure they are.

[Bazooka Boo]

Scan & post it up but remove ALL identifiers, names, addresses, bar codes, ref numbers, bar codes, squiggly boxes...

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[oldfletch]

we dont have a scanner at the moment

but been looking at the paperwork

dont seem to be any t/c just the agreement.

 

it says on the top credit card acceptance form and agreement

 

.i will pop over the internet shop tomorrow and post the forms up.

[dx100uk]

mobile phone camera / digital camera?

 

dx

[oldfletch]

how do i post the document up once i have taken photo with a digi camara.

[dx100uk]

post 68

 

dx

[oldfletch]

just received my agreement from marlin

with a letter as to what my proposal for repayments are.

 

i was paying lloyds £40 per month

 

what should i ofter them.

 

also the reason not been on for a few weeks is feeling the after affects of treatment for cancer,

 

the most i can afford is £50 pcm.

 

what should i now do.

 

many thanks for your help.

[Bazooka Boo]

Did you have an agreement with the bank to pay £40 a month?

If so and they have broken the agreement, then that is a complaint in itself, have a look through BCOBS and fire that off to them.

As for Marlin, £1 a month, it's not a priority debt, set up a standing order using their bank details and pay them £1 a month, once they have accepted it in their bank, then that is agreement enough from both parties.

[oldfletch]

yes i did it was reviewed every 6 months.wont they ask for more than £1,