Marlin/Weightmans 2nd lloyds loan debt

[mrcooper]

Have received another letter from Marlins

 

 

this time wishing to let me know that since they have had no response from me

 

 

they have now been instructed to move my alleged debt over to Weightmans for consideration.

 

 

As it is £19k from a Lloyds loan I am expecting them to go after it heavily.

 

I am trying to head them off and have sent a CPR31.14 to Weightmans this week as at the moment I don't know who to send the CCA request to

 

Weightmans have already gone down the Court route for another debt so I'm expecting them to do the same with one.

 

Is it worth sending an SAR to Lloyds as both my loans with them have ended up with Wightmans

or should I wait and see what the sols come back with:?:

 

Any advice greatly received.

[renegadeimp]

If marlins have it then its a bad debt. The CCA goes to whoever is chasing you. Its very surprising that the of didn't take you to court for a debt that large....

[mrcooper]

Its probably because the OC did some dodgy stuff with my loans and although Icomplained to the Ombudsman

(didn't get anywhere with Lloyds as they stated that they didn't keep records going back that far

but it probably worried them that there was something there that they would have to explain in court!

[renegadeimp]

CCA them first. And sar the oc. Be fast. These two companies can be very greedy and could go for court action. Doubtful but very possible.

[mrcooper]

Thanks - will do

[dx100uk]

is this on your cra file?

when did you last pay anything.

 

 

nfo on the dispute would be useful too

 

 

is this one financially linked to the other with the claimform?

 

 

dx

[mrcooper]

Hi dx100uk

 

Yes it is on my cra

 

last paid early November 2010 so not SB

 

This one is not linked to the other on the Claim Form

 

The dispute was that Lloyds sold me 2 loans approx a year apart

- one for 20k followed by another of 15k, both to run concurrently.

 

 

I was only earning about £21k at the time plus, for the second loan, their in-branch rep made me hand write a letter

stating that I had no other outgoing debts before I could get the loan and told me the letter would be placed on my file.

 

 

When I complained that I did not think that the bank acted in my best interests, admittedly, quite a few years later to the Ombudsman,

as I wasn't as savvy back then..they directed the complaint to Lloyds as per requirements.

 

Lloyds answered with a very long 5 page letter saying that it was all worked out correctly

and anyway according to their scrutiny of my bank account they noted that I later got a pay rise, so what was the problem?

and that in their eyes they'd done nothing wrong!

[mrcooper]

Lloyds also stated that for some of my complaint that they had to assume some things because they didn't keep records all the way back to approx 1998

[mrcooper]

:???:A quick update

 

I have received a letter from Weightmans in reply to my CPR

 

 

stating that they are just the solicitors for their client saying the creditor is Marlins, no mention of Cabot!)

 

 

and that as such they have no documentation on this account and that they will contact their client for the information.

 

I also sent a CCA to Cabot using the Marlin reference number

- strange thing is that I have received a letter in response to my CCA request from APEX

stating that they don't have the documentation but that my request is being processed

and they will place the account on hold pending its fulfilment

and that they will write to me again with an update of their progress or on completion of the required documentation?

 

Not sure quite where that leaves me

[renegadeimp]

Means they havent fulfilled the CCA request so its a waste of time them going to court as they cant enforce any judgement. Be aware, that these companies are that low, that they will get a judgement against you if possible, even if they cant enforce it.

[dx100uk]

until/unless they magic up an enforceable agreement

they are stuffed

[mrcooper]

Many thanks both for your replies - will keep you updated if anything else comes through