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F&F settlement with Marlin / Cabot


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Hi,

 

I am looking for some advice on negotiating with Marlin, now Cabot, over an Egg Loan from 2003.

 

I was originally left with a number of debts when my business went bust over 10 years ago.

 

This Egg loan is the only debt left,

it started at £18k and is now at £7.5k

 

has passed through various debt collectors along the way

- I have been fairly consistent at paying £100 a month over that time.

 

I now just want to finally get rid of it and Cabot just don't seem willing to negotiate.

 

I have done a SAR and have had a copy of the original loan agreement from Egg,

and unfortunately it checks out.

 

I think, but can't be certain,

I was served a default notice in the beginning i.e. about 10 years ago.

If I was, it has long passed from my credit files,

and this debt hasn't shown on both Experian and Equinox credit reference files for at least 3 years.

 

I am looking to finally apply for a mortgage now all my other defaults are off my reports so I don't want to risk this one suddenly going on.

 

So,

 

How do I find out if there has already been a default on this loan,

i.e. so Cabot can't report a default if I start playing hardball?

 

There is nothing in the paperwork that I received through the SAR showing that there was,

but the paperwork only goes back 2 years or so.

 

Does anyone have any advice on the best approach to negotiating with Cabot

and how low they are likely to go?

 

They are refusing to tell me how much they paid for the debt as this information is apparently

" a confidential commercial matter".

 

I am not sure if this is true, or if it is worth pursuing?

Even if for no other reason than being awkward?

 

Any help appreciated!

 

Thanks

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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who did the CCa come from the present fleecer?

 

 

an sar should contain upto 6yrs or more data

 

 

where did you send the sar too?

Canadian house?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They are refusing to tell me how much they paid for the debt as this information is apparently

" a confidential commercial matter".

 

If Cabot are the owners, you should have been sent a Notice of Assignment letter from them informing you that they are the new owners of the debt.

 

Cabot will have paid between 5 - 14% of the total value of the debt, your debt would have been parcelled up along with many others and sold on.

 

Unfortunately because DCA's are Limited Companies, the transactions are private and you will never know the exact amount paid.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Yes, I have been sent the original agreement and then the past 6 years worth of information.

 

 

Unfortunately there is no information for the period between 2003 and 2009.

 

 

I suspect I may have defaulted in 2004, but I can't be sure. That was quite a difficult period of my life!

 

Egg sold the loan in 2009 to Britannica Recoveries - Arrow Global

who then sold it on to Marlin Financial in 2013 who have are now apparently part of Cabot.

 

 

I have letters for these three transactions, but no details on how much they were sold for, for the reasons you say.

 

Any thoughts on how low I can go, and how difficult I can be to get rid of this debt?

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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who did you send the CCA request to and when?

 

 

who did you send the SAR to and at what address?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi,

 

The SAR was sent to Marlin Financial Services Ltd, Marlin House, Grafton Road, Worthing. It included a copy of the original credit agreement that I signed with Egg so I haven't sent them a CCA Request.

 

Thanks

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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aha thought so.

 

 

your sar should always goto the oc , original creditor

that should be egg at Canadian house see the stickies of the egg forum.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ah okay, I will do that now then.

 

How will this help me with Marlin / Cabot?

 

Thanks

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Share on other sites

checks the default

and prob find you've PPI there too or charges.

 

 

£100 PCM to various DCA's over all these years

this debt sadly smacks of you being cash cowed to me.

 

 

esp as its been passed around.

 

 

here you have some..this mug coughs nicely.

 

 

any chance you can scan up the CCA return you think is enforceable?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ah okay, that makes sense!

 

 

I have pulled all the tricks and negotiations with the other debts but this one was so big I never dared to fight it.

 

 

You are probably right, it has been an easy squeeze for various companies over the years hence why I want to push back hard now

- they have had more than enough from me so far!

 

Where should I send the scan?

 

 

Its been a long time since I spent time on these forum.

 

Thank you for your help, it is much appreciated

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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hey no sweat

 

 

post them up here

pop the redacted pics into a word doc

and attach that as a PDF

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures

please put these into WORD and make a multi page document

.

first ensuring you have removed all Personal Information before converting to PDF.

if you dont have MSOFFICE, use openoffice its free and has a PDF converter.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi, here we go - this is the original agreement I had with Egg. Have a look and see what you think?

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Share on other sites

where are the p[ages of T&C's that should be with that

 

 

and can you please read this upload

 

 

1 page should not be 5.6Mb!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Apologies, for the size of that, for some reason photoshop likes to make it's PDFs really big. I'll pay better attention next time.

 

That document is all I have - there were no T&Cs attached. I'll put a SAR into Canadian House, as suggested, and see what that brings up. What are the T&Cs likely to say that would be useful and not in the signed agreement above?

 

Thank you again for your help, this is all useful.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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that's not a compliant CCA

though theres no remit in an sar to supply one

 

 

send cabot a CCArequest

 

 

£1po leave it blank don't sign anything

 

 

sar to EGG at Canadian sq too.

 

 

until/unless cabot supply and enforceable CCA

I'd pay them nowt

 

 

sadly I think you've been cash sowed here

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Great, I'll do this and let you know how I get on!

 

Many thanks.

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Share on other sites

One final question.... if I stop paying them until they provide an enforceable CCA can they issue a default notice and pass the details on to credit reference agencies thus stopping me get a mortgage?

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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Share on other sites

no because it been defaulted and dropped off your CRA file you said?

you cant be defaulted twice

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I suspect it was, but I am not certain and have no paperwork (at the moment) saying it was defaulted.... I am just doing the CCA request just now and the SAR for Canadian House so that may show one way or another

Smile £315 Paid In Full March 2006 (no court action)

MBNA £2600 Paid In Full May 2006 (no court action)

HBOS £5800 Paid in Full August 2006 (action raised but not defended)

Morgan Stanley £585 Paid In Full August 2006 (no court action)

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