Hsbc, marlin & me

[ramp]

Can you help please

 

 

- have payment arrangement with hsbc since oct 2009 for credit card taken on in 2004

- financial issues 2009 hence arrangement

- hsbc sold account to marlin earlier this year after it had been handled by their own metropolitan collection services

who agreed a standing order for £1 per month for 999 months starting in 2009

 

 

- continued paying hsbc and

they have been passing money to marlin financial

- never missed payments

- marlin parent company (marlin europe) stated in writing they would honour hsbc arrangement

- fine

 

 

- now marlin financial want income & expenditure etc and review

 

 

- note last statement received from hsbc dec 2009,

none from metropolitan that i can find and none from marlin yet

 

my question is this

- are creditors legally obliged to send statements to debtors and if so how often are they required to do so

 

 

- also when i informed hsbc in feb 2009 of my issues they continued to apply interest until dec 2009

although i do not think they should have done as they sent the default notice

and final demand etc in the late spring/ summer of 2009

 

i do not like marlin as they are threatening all sorts even though have maintained payment plan without fault for 5 years -

 

thank you

[theoldrouge]

have you done all the reclaiming on this card, charges/ppi etc

 

what does your credit file say as regards default date

 

do you have all the statements/original default notice?

 

I would suggest as a first step

 

a cca request under s78 to Marlin

[ramp]

thanks for response

 

 

-PPI does not apply as I was self employed when account opened and never applied to account

 

 

- did cca request in 2009

 

 

- got back 2 statements,

copy of signed agreement

(no t &c's attached to signed agreement as blank back)

plus t & c's separate to signed agreement,

 

 

all undated except one dated 2008

 

 

- did wonder about a CCA request to Marlin

 

 

so perhaps as you suggest this would be a way forward.

 

 

thank you

[theoldrouge]

yes that would be my first step

[dx100uk]

def time for a CCA request.

 

 

it wouldn't hurt to SAR HSBC too

 

 

should this ever turn nasty

 

 

it will give you the statements etc etc

 

 

and might prove useful

should they decide you can be mugged through court.

 

 

dx