LLoyds have sold credit card debt to marlin europe

[Guest]

ah fletch, you didn't have to send them your I and E. just what you can afford, having done yr own. for your eyes only as said. up to you though. hopefully they'll now leave you in peace, for now.

[oldfletch]

thanks ford to be honest i have a bigger battle on my hands so should not have let it get to me but i did.i dont have nothing to hide from them but one thing is i learned form reading on here and taking the advice of others,is dont let them get to you and play there game by the rules.

[Guest]

know what mean, there are other things to concentrate on. as they saying goes; don't let the b'stewards get you down.

[oldfletch]

still not had any reply from marlin after sending of what they requested,

 

should i send them another letter ?

 

if they took me to court whould they have to inform me,

 

also if they send bailiffs would they give me notice.

[Guest]

no, not atm. they've got it. if you're happy to pay what you offered, just start paying it.

yes, they should do a letter before claim. a way off though atm imo.

no bailiffs. forget about that. bailiffs only come into play if there is an ccj up for enforcement after a court order re such.

[oldfletch]

as of yet not been given there bank details nor a payment book but i do have a payment book from lloyds which they said they will pass the payment to marlin,should i use the payment book from llouds ?.

[Guest]

did they not send out one of their payslips included in one of their template collection letters?

dca's usually do.

 

that has their bank details on which could be used on paying in slips in branch, or a standing order.

 

check out their website,

there are account/paying in details on there,

including standing order?

 

otherwise, could just pay via Lloyds seeing as they've said they'll forward.

 

marlin will no doubt contact you soon after?

 

are you sure you're happy with what you're offering to pay?

[oldfletch]

thanks ford,i just want to get this out of the way it will take time.but i have to start some where and yes £40 is all i can afford at this time.once again thank you.

[dx100uk]

pers i'd halve that

 

Lloyds sold the debt

 

there must be something up with it we've not spotted.

 

just pay marlins by YOUR internet banking webportal.

 

dx

[oldfletch]

i think that myself

 

as the 2 others debts i have with lloyds are more,

 

could it be that it will take a long time to get there money back ?

 

could/would i ever find that out ?

 

and what is internet banking webportal.

 

as i was going to set up a standing order

as was told i am in control of a standing order would this be right?.

[dx100uk]

you have internet banking yes?

[oldfletch]

no ,,,,

[dx100uk]

why not

I bet your bank does it

 

that's by FAR the best way to pay 'bills'

 

TOTALLY under your control

 

dx

[oldfletch]

thanks dx will look into it.

[Guest]

t..but i have to start some where and yes £40 is all i can afford at this time.once again thank you.

 

 

hi

thats what i meant, if deciding to pay, only pay what can afford, and then maybe a bit less. dont leave yourself short elsewhere.

[oldfletch]

just got another letter from marlin, for i and e

 

i already sent them one.

 

should i fill there one out and send it of to them

or send a letter telling them i have already sent one to them.

 

i did agree to pay £40 per month but once i got paid

i could only afford to pay £30,

 

should i fill there form out.

[dx100uk]

only a judge can demand to see your I&E sheet

 

dx

[oldfletch]

so should i send them a letter explaining that i have already sent them one.

[Guest]

my view, if you're paying, just start paying what you can afford.

eg if you want to send them a letter, then maybe one along lines of, as prev suggested, have done my own IE using cab/nat debtline common form (whichever is applicable), and can pay x/mth. then just pay it /mth. up to you though.

[intend]

Would agree with Ford - pay what you can afford - no more-no less.

[2Grumpy]

Write to Marlin and tell them that after completing their I&E sheet, you are not left with anything at the end of the month and that you will pay them £1 per month, but a little more on any occasion that you are able to. that shows that you are trying to be co-operative ...

[oldfletch]

well i got a letter from marlin yesterday stating they will accept my ofter of £40.would like to thank those who helped me.

[Guest]

goodo. without the further ie they wanted? if 40 becomes too much, reduce it. you're in control, not them.

[intend]

Got to agree with Ford - if ever the payment becomes too much please write to them and tell them you need to reduce the payments - this is a non-priority debt.