HSBC credit card debt- Cabot/Marlin returned CCA -crossed postal order not excepted???

[laidy_ma]

Hello everyone,

 

Credit Card-HSBC Bank, currently with Cabot/ Marlin

Account Start Date: 01/2007

Opening balance:£2700

Default balance: £2700

Date of default: 06/2010

I think this probably was an online application..

 

After defaulted in 2010 Metropolitan Collection Service Limited contacted me and demanded high monthly payments while I was in the hospital- everyday calls etc.

 

 

.. In the end reduced payments were agreed.

I was paying them reduced payments (£10 or £20 I don’t remember exactly) on monthly basis until 2013.

They agreed in writing in 2013 a monthly £1 payment : Commencing Date 29/06/13 Finishing date 28/08/2096!

 

 

A few months after the agreement I was contacted by Marlin (Cabot Financial) advising me to start paying them the £1 monthly and providing me with their details.

 

Noddle currently shows owing of £2400.

I was contacted by Marlin over the phone recently for a review

-I explained that my financial situation is even worse than it was in 2013.

They were fine-still happy to receive the £1

 

 

.They also mentioned that a full and final settlement can be arranged at 65% discount but they would consider a lower offer if I go to them with one- they said.

 

I sent them a CCA request on 08/01/16 and a change of address letter.

They have received my letters on the 9th.

 

Today I received the following letter (file of the letter attached)

advising me that unfortunately they were unable to cash the postal order because there was no payee filled out.

 

 

Please see the attached letter from Cabot.

Apologies for the poor quality of the file- I think it is readable.

..but if it is not let me know an I will try again.

 

They also returned my original CCA request letter and the change of address letter???

So I guess I should return these to them.

 

 

They have written on my CCA request letter with pen: 'ops req £1'

and also attached the sticker for sign for service from the post office (I sent the letter recorded)...

 

I have also attached the file of the postal order.

Please tell me what is wrong with the postal order?

 

 

I asked for a postal order and in the post office they told me that the best is to buy a crossed one if I am going to send it to a company, so I agreed!?

I did not ask them to put a name on the postal order...

 

Although I left the postal order completely blank at the back- Cabot has written on it my Ref number

and something like a signature next to the ref. number??!!!!

 

Please advise on the above? Very much appreciated!

 

Uploaded PDF files -post 3 .

[dx100uk]

please remember we cant see picture in jpg

and cannot zoom them

please follow the upload

 

 

just send the lot back

with a BLANK PO

 

 

that's why we say blank- totally

 

 

dx

[laidy_ma]

Ok, I did not realise that DX ,

 

 

please see the attached PDF files I mentioned in post 1.

 

 

I hope they are OK now.

 

Please advise.

Letter- request of payment.pdf

[Bazooka Boo]

What utter idiots!

 

IMO, they've failed, when the 12+2 days has passed for them to provide the agreement, then sit on your hands.

 

It's blank for a reason, if you had filled it in, then they would have sent it back saying they couldn't process it as it was made payable to the wrong muppet.

[laidy_ma]

I absolutely agree BB. Maybe they are hoping to SIGN a cheque for them, so they can steal my signature!;-)

 

Do I need to write a letter to them saying: Please find a postal order included for £1 in the name of Cabot Financial. I look forward to receiving the information I requested on 08/01/16, or just send the postal order with the letters (CCA request and a change of address notification) they returned to me with their letter?

 

Do I need to add/point anything else to them in the letter? Any suggestions?

They sent me an addressed envelope (prepaid 1st class) to use when replying- how nice! I think I may send recorded again so they don't have excuses saying that they did not receive my postal order...

[dx100uk]

well on the pedantic side

they are now writing to the correct address.

so they cant get a sneaky ccj at an old one.

 

thinking again on this

 

it might well pay you to await the next threat-o-gram.

 

then redo the CCA request

the same MO to them again.

 

are you paying them still and how much if you are?

[laidy_ma]

What is MO please?

 

I pay them £1 each month.

 

This is an option to wait for a while...before sending a new CCA request... but there will not be a big difference as I have been paying and no chance to wait for statue barred. Maybe I can confuse them a little bit...

I can't think of any advantage of waiting?

 

What about SAR to HSBC?

 

I see now what Blank postal order is.

I guess it should not have been crossed.

I told the lady in the post office 'blank' but she said that the best is blank (no name) but crossed ,

so they only can pay it into their bank (in case of a problem I can find who it went to).

If it is not crossed it is like I send them cash and literally whoever opens the letter

(in case it is lost for example) can cash it without ID in any post office.

 

It is strange though that they would not accept the crossed postal order.

..Must be absolutely legal to put into a bank account.

..I will try it myself at my bank.

[dx100uk]

MO https://en.wikipedia.org/wiki/Modus_operandi

 

what I mean by wait

is lets await the next letter.

 

they obv already know you are on their case.

 

the next letter [if there is one]!

 

will tell how they want to play things

 

having read their letter

 

you do realise they are stating this is a payment to them, urm..no its not its a std fee for the CCA.

 

reads to me as they make no ref to it being toward a CCA request

they are trying to kid you more.

 

take that PO copy down we don't need it.

 

dx

[laidy_ma]

I see what you mean.

I guess I can wait a while and see what happens...

 

As I mentioned above

they called me a month or so ago and I accidentally answered the phone.

 

 

The guy was very polite, when I told him my financial situation has not improved

he offered to put my account on hold and stop payments for a month or so and suggested to call Step change.

 

 

They said they will contact me in 6 months.

They may be silent for another 5-6 months or I guess they will send me a settlement offer in some point

as they usually do this on regular basis..

. I will keep you updated..

.Thanks for your help.

[laidy_ma]

Hi,

 

I have been paying Marlin Financial Services £1 every month for years...

 

I know they are under Cabot but I still was opening the Marlin website

and paying through the Marlin website page every month by stating my ref number.

 

 

Today when I tried to open the Marlin page it does not exist

- it sends me straight to the Cabot page and nowhere Marlin has been mentioned

and when trying to pay the £1 it does not want to accept it as they can't recognise my ref number..

.it does say: the details provided do not match an account.

 

 

They have my address and mobile phone number but they have never called me

or sent me any letters to tell me to pay to Cabot

...I have not been provided with a new ref number.

 

Should I stop payments and wait for a letter eventually?

Maybe they sold the debt to another company?

The debt is for around £2500...

 

A while ago I requested CCA but they refused to provide me with one

saying my postal order was not named to them asking me for a new postal order named to Cabot

and I never responded to this. They never sent me any further correspondence.

 

I tried to see what company shows on the debt on Noddle

but this debt is more than 6 years old now and has been deleted from Noddle...

 

Any advice please?

Am I right to ignore and not make any efforts to pay?

[brassnecked]

Stop paying and ignore them, when was the last payment? As the debt originated more than six years ago it will have dropped off your Credit Report.

 

Others with better knowledge will be along soon

[laidy_ma]

Thank you brassnecked, I never stopped paying them but I have been paying only £1 every month (to Marlin via their website) for the last 3-4 years. In the last 3-4 years I only have received one phone call more than a year ago and they were checking if I can pay more I said NO and they were fine.

[Bazooka Boo]

Oh dear cash cowed!

 

STOP paying.

 

Until and unless they can provide you with the CCA then you can legally withhold all payments.

 

What was the original account? Loan/credit card/overdraft?

[dx100uk]

old and new threads merged

please keep to one thread per debt

 

 

dx

[laidy_ma]

Thank you Bazooka Boo.

Credit Card-HSBC Bank, currently with Cabot/ Marlin

Account Start Date: 01/2007

Opening balance:£2700

Default balance: £2700

Date of default: 06/2010

I think this probably was an online application...

 

I will ignore them. Do you suggest to again request CCA or best keep quite and see if they will contact me ever again.