Marlin chasing old Lloyds Loan - poss statute barred debt

[Bazooka Boo]

As ive tried to explain before I suffer from depression and anxiety and have done for years, was certified as disabled through it a couple of years ago. I dont expect you to understand but stuff like this seems like the end of the world!

 

I do understand, as a man with mental health issues, and a traumatic brain injury to boot, I completely get where you're coming from,

however use it to your advantage, this is why I laugh at them now, there is nothing they can do to me that will have any effect or bearing on

my daily living.

 

There is plenty of advise out there for how they are 'supposed' to deal with vulnerable customers, MALG guidelines

[amphiprion]

Thanks bazooka, I was not awaremof this. Ill read through it!

[amphiprion]

Hi all,

Just an update on whats been happening.

 

Marlin have reduced contact to 1 letter per month

now simply urging me to contact them in order to find a solution.

Calls have now reduced to once or twice per week.

 

Today I got a letter dated 2.5.2016.

 

The letter was much the same as the others except the last paragraph

which states they will write to me again in 30 days if they have not heard from me

to inform me what will happen to my account!

 

Does anyone have any ideas what this may mean?

 

Im guessing they will write it around 2.6.2016 and ill get it around the 7th.

 

This becomes SB on 9.6.2016 which is when the default notice was sent.

 

Would they have time to get a claim registered at court if the next letter is an LBA?

 

Im not sure how much notice they are obliged to give!

 

Is it 7 days or 14?

 

Any advice or thoughts would be greatly appreciated.

[dx100uk]

Thanks for replying,

Last payment will have been december 2009 or january 2010.

I got the default letter in early may 2010.

 

 

it is statute barred

ignore them

unless a claimform arrives

[amphiprion]

Hi dx,

Thanks for your prompt reply.

I thought it had been established from the results of the SAR that the SB date was 09.06.2016.

The bank kept paying the loan via a delinquent OD. The last payment on this failed as the OD had reached £4000 on a £3000 limit, on 1.5.10 and the default was issued on 9.6.10.

[dx100uk]

you think what you like

if you instructed your bank to stop payments

and they didn't

that's their problem

sit on your hands

stop worrying

[amphiprion]

Ok will do, thanks.