Jump to content


marlins ccj


antgraham2335
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3095 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had a bank account many years ago back in 2009. It was with Yorkshire bank now upon viewing my credit report I stumbled upon a default with Yorkshire bank for the amount of £99 or so. I knew this belonged to me but then to my horror I discovered I had a ccj issued by Northampton court for the amount of 1500 so I immediately phoned them up to see who issued it. I had noticed I had a default with marlins and they had filed the ccj due to the Yorkshire bank default which had allegedly incurred 1100 in charges and 300 court costs and this was filed in 2012 so I have 2 defaults and a ccj for the same debt..... I am at my wits end with this as the chap on the phone at marlins said that because the court had gone in favour of the creditor these charges were legal and enforceable. They don't have my address which is a plus I guess.

 

I'm just wondering if anyone had any advice as I find this immoral and unfair to say the least

 

Any help greatly appreciated

Link to post
Share on other sites

Hi

 

I have moved you to the Legal forum which may be more appropriate for you.

 

Did you not receive a claim form when the court process began?

 

Had you moved home and therefore the court papers were sent to the wrong address?

 

If you did move home, did you inform everyone of your new address?

 

Others will be along to help as soon as they are available.

  • Confused 1

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Ok thanks for that it's a little daunting being new to the site but everyone seems so helpful. I did nit receive a claim fork due to moving address and did not inform my creditors which is my own fault really but I wanted to get away from it all as I was working part time couldn't afford the debt plus had a kid on the way. Thankfully my situation is better now as I have a profession and a steady job as a carpenter

Link to post
Share on other sites

Dont contact them on the phone again. To reclaim the charges you need to submit a SAR to the bank and then form a spreadsheet of the charges. Marlin rarely ever deal in enforceable debts and they must have been rubbing their hands when they saw they had judgement by default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Ok I will submit a Sat request to Yorkshire bank and try and reclaim the charges. But as I have a defaukt off Marlins and a ccj for the same amount does that not mean the judge deemed the charges as fair and by law I have to pay them

Link to post
Share on other sites

The judge doesnt deam anything. Marlins issued a claim, you didnt respond, so the claim was rubber stamped along with hundreds of others. It's doubtful the judge even looked at the details of the case.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

No. Dont communicate one bit with marlins. get teh SAR off so you can see what you can reclaim. Should marlins make the mistake of trying to enforce the debt, you can have it thrown back in court where the judge can see the charges, and contest it.

 

Hold off on any action though regarding marlins for now. There must be a way to set aside this judgement as it is highly unfair, the debt borderline unenforceable due to the charges.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Be warned, a sar to a bank can run into dozens of pages.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

A SAR covers everything they have for you. Including any internal notes/meeting notes, decisions they made about you in the background.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...