Marlin - threatening court on old northern rock 'debt'

[BRIGADIER2JCS]

Hi citizenB

 

It was a unsecured loan, the last payments were made to NRAM, but Marlin have bought the debt and (I now am aware) are just looking for people to just accept their debts and start paying - last time I paid anything on this loan was in July 2010, but they continue to send a 1 page signed documents which is now not a good copy and attached 1 sheet of terms and conditions!

 

Hopefully they will leave me alone now, if not I will have to send RD letter and SAR AND CCA requests to Marlin with the fees and retype the above letter!

 

I could well do without this as at the moment my mother is quite ill and I have so many concerns and then these worms come out of the rotten woodwork of bad debt loans.

 

I dont know how I would have coped over the years without the advice provided on this website by so many honest and genuine people within humanity.

###

 

 

 

Hi intree, sorry about your mother!

 

 

Can you clarify on the Statute Barred status of this debt please?

[intree]

I don't have the actual date I made the last payment so just want them to come back to me and say no the last payment was made in ?? ?? ????

 

Hopefully they will leave me alone if they are just fishing for payments, if not at least I will then know for certain that they know it is not statute barred and I will be ready to challenge the next issues they then raise as above.

 

This may be a little cheeky but I am just doing what they do and have had enough of their contact first by phone and now letters!

[BRIGADIER2JCS]

I don't have the actual date I made the last payment so just want them to come back to me and say no the last payment was made in ?? ?? ????

 

Hopefully they will leave me alone if they are just fishing for payments, if not at least I will then know for certain that they know it is not statute barred and I will be ready to challenge the next issues they then raise as above.

 

This may be a little cheeky but I am just doing what they do and have had enough of their contact first by phone and now letters!

 

 

 

Ok.

 

 

In reference to the Statute Barred status the default date may help establish this, also have you at any point admitted liability in full or in part for this debt?

[citizenB]

Hi citizenB

 

It was a unsecured loan, the last payments were made to NRAM, but Marlin have bought the debt and (I now am aware) are just looking for people to just accept their debts and start paying - last time I paid anything on this loan was in July 2010, but they continue to send a 1 page signed documents which is now not a good copy and attached 1 sheet of terms and conditions!

 

Hopefully they will leave me alone now, if not I will have to send RD letter and SAR AND CCA requests to Marlin with the fees and retype the above letter!

 

I could well do without this as at the moment my mother is quite ill and I have so many concerns and then these worms come out of the rotten woodwork of bad debt loans.

 

I dont know how I would have coped over the years without the advice provided on this website by so many honest and genuine people within humanity.

 

Unfortunately if July 2010 was the last payment made, then this is not statute barred

 

There has to be a period of 6 years + where no payment or written acknowledgment of liability is made for that to be the case.

[dx100uk]

I never like the idea of just sending any comms for the simple sake of sending 'something'

 

 

its always best to ask for help

 

 

that email you sent is seriously inviting letter tennis.

 

 

dx

[intree]

Hi I do agree with that comment, its a email, and if they don't respond, I will not bother writing to them again, if they do I will post for advice, sometime when things pile up on you one does silly things in a Act of desperation.

 

Thank you all for your help and advice!

[dx100uk]

99% of what these no powers DCA'S send

or their 'fake/tame' solicitors

 

 

are designed to panic people and cause them to respond...DON'T.

 

 

once you have done this

you are then exposing yourself as being a potential 'mug'

that awaits fleecing.

 

 

dx

[theoldrouge]

as there was no statement within your cca reply, they have not complied with s77(1) at this time anyway,

 

no need for complicated replies, they have not complied, thats all they would be needed to be told if they persist,

 

no need to give the reason why

[intree]

Thank you theoldrogue for that advice, I will keep it safe and inform them when they do take it to court (IF)

 

Thanks

[intree]

Marlin are now calling me indefinitely from 01613626771,

 

 

I have blocked them and they are using multiple numbers

 

 

- told them to stop calling as they have not sent statements of account since 2012,

 

 

they said no they will continue, until its paid!!!!

 

ARE THEY REAL - where on earth did they get my number from

[dx100uk]

that's the usual action when a dca finds their cash cow has removed themselves from the milking parlour.

 

 

they do everything they can to pressure the cow into thinking they have a right to money.

 

 

if they were so confident they'd do court as we see them do time and time again.

 

 

dx

[ComingHome]

Marlin are now calling me indefinitely from 01613626771, I have blocked them and they are using multiple numbers - told them to stop calling as they have not sent statements of account since 2012, they said no they will continue, until its paid!!!!

 

ARE THEY REAL - where on earth did they get my number from

 

 

Don't you have Caller Display? If so, why do you answer?

Don't enter into a conversation with them.

[intree]

It was just a automatic reaction and I was not expecting them to call to be honest,

so did not recognise the number first,

 

 

but now they are calling from several different numbers and I am barring them one by one

 

 

- thank you Dx100uk

 

 

I think you are right they would not be calling me if they had a led to stand on..

[intree]

I can not believe they have so many numbers they call from,

 

 

I have been getting 2 calls every day since last week and number is blocked and then another one calls

- are they real,

 

 

I told them not to call me and they just ignored me,

 

 

is there someone I can complain to about them please?

[BRIGADIER2JCS]

I can not believe they have so many numbers they call from, I have been getting 2 calls every day since last week and number is blocked and then another one calls - are they real, I told them not to call me and they just ignored me, is there someone I can complain to about them please?

Formal Complaint to Marlin referring to calls now amounting to harassment.

There is an Appeal Court Judgement Roberts - v BOS which has laid down what amount to harassment once a company has been instructed to cease contact other than in writing.

[intree]

thank you so much will respond to them in writing confirm this.

[intree]

I am now getting calls from a solicitors firm called Ingrid Davies, from London 02031425110,

 

 

they stated they are looking for someone with a certain name and as a matter of urgeny!

 

 

Told them that person does not live here,

 

 

they then wanted a contact number or address told them to write and they put the phone down!

 

 

Can they do this??

[dx100uk]

that's marlin again

using their fake/tame solicitors name

 

 

ignore them.

 

 

dx

[intree]

Phew Thanks!

 

They are so annoying !

[The GodMother]

The 'solicitor' SHOULD no the law. Tell the solicitor to remove your number from the system.

[intree]

Thank you Godmother

 

God Bless

[The GodMother]

Think more Mafia style Intree.

[intree]

UPDATE;

 

They have now ignored my letter of 2/10 and have sent out a expenditure sheet

asking for immediate settlement or repayment plan arrangements within 5 days!

 

I have this account in dispute so dont know what the hell they are doing,

they have also started calling from new numbers

- why do they do this when I have told them to put all in writing??

[dx100uk]

convince you to being fleeced.

 

 

dx

[The GodMother]

Ignore it. They know the rules not your fault they play by them