Yorkshire Visa now Marlin Chasing - **Ack'd AS SB'd - CLOSED**

[alamand]

hi all

Well after turning the house upside down( I do have nice clean cupboards tho)I cannot find the letters to Marlin, so I have no idea what I sent to Marlin and exactly how I worded them. I do know I said the account was in dispute.

I am so mad with myself because I printed copies off until then.

 

Do I not go the statute barred route now ??

 

I know they are going to start because I keep getting phone calls, which I do not answer.

 

Thanks Guys

[BRIGADIER2JCS]

hi all

Well after turning the house upside down( I do have nice clean cupboards tho)I cannot find the letters to Marlin, so I have no idea what I sent to Marlin and exactly how I worded them. I do know I said the account was in dispute.

I am so mad with myself because I printed copies off until then.

 

Do I not go the statute barred route now ??

 

 

That is a great pity.

 

 

There is no harm in sending a statute barred letter along the lines of:

 

 

To The Compliance Manager

Marlin FG

 

 

Date

Ref: Use theirs:

 

 

Sir /Madam,

 

 

I refer to the alleged deb for £xxxx.xx as referenced above, please note I do Not acknowledge any liability to Marlin.

 

 

Having reviewed my credit history I have concluded that any such alleged debt is statute barred, there for I will not make any payment or offer of payment now or in the future.

 

 

Marlin will now confirm that this matter is closed.

 

 

Used signed for post check delivery date:

 

I know they are going to start because I keep getting phone calls, which I do not answe

[alamand]

Thanks Brigadier.

 

If it goes to court because they don't agree, what happens if they produce the letters that I sent and theres something on them I shouldn't have said. Don't want a CCJ after all this time. I was fighting on the "application form and the t&c's" and the way YB tried altering the application form( by cutting off the heading "application form" so it looked like a credit agreement).

 

My husband agrees with you because we want it out of the way now.

[BRIGADIER2JCS]

Thanks Brigadier.

 

If it goes to court because they don't agree, what happens if they produce the letters that I sent and theres something on them I shouldn't have said. Don't want a CCJ after all this time. I was fighting on the "application form and the t&c's" and the way YB tried altering the application form( by cutting off the heading "application form" so it looked like a credit agreement).

 

My husband agrees with you because we want it out of the way now.

Hi alamand, it is a case of prodding the sleeping dog, if they have anything to dispute the SB claim let's get it out in the open, it can then be challenged. Mysterious payments of £1 or £10 that just happen to be the fees for CCA requests or SARs are the most likely things to crop up.

 

 

The app form trick is quite common but I have not seen one modified in this way for a long time.

 

 

Brig.

[alamand]

I have checked the balance and it is still the same so that should be fine,

I will wait for their next letter then, as I didn't respond to their last one.

1 more question, I send what you have put and not the SB one??

[BRIGADIER2JCS]

I have checked the balance and it is still the same so that should be fine,

I will wait for their next letter then, as I didn't respond to their last one.

1 more question, I send what you have put and not the SB one??

It is your choice as to which you send I am no lover of template letters for this particular subject.

 

 

I go by results.

 

 

Brig.

[alamand]

Hi Brig,

 

Well letter received asking for income/expenditure and phone message left from Marlin.

 

I have written your version and it will be in the post tomorrow. Signed for of course.

 

I have checked experian and noddle and no default or anything from Marlin or YB, in fact YB did not put anything at all on all 3 credit reference agency's even at the beginning, which I find strange.

[dx100uk]

IMHO it will be SB'd

 

the FOS decision makes no odds.

 

they are just trying it on.

 

dx

[alamand]

Thanks DX, I hope so.

 

Will let you know what response I get from them.

 

Alamand

[BRIGADIER2JCS]

Hi Brig,

 

Well letter received asking for income/expenditure and phone message left from Marlin.

 

I have written your version and it will be in the post tomorrow. Signed for of course.

 

I have checked experian and noddle and no default or anything from Marlin or YB, in fact YB did not put anything at all on all 3 credit reference agency's even at the beginning, which I find strange.

 

 

 

Good morning Alamand.

 

 

I agree with dx, Marlin have been chasing a raft of SB and unenforceable debts some have been seen on here but I think it's the tip of the iceberg.

[alamand]

Hi every one

I received a reply stating that the acc is indeed statute barred n the matter is now closed.

Thanks everyone for your help.

 

Sorry I'm late with reply but when I have been logging on the site on my comp, this thread is not showing up. I have logged in through my phone, 1st time ever, and it's now here. Very very strange.

 

Once again thanks to everyone.

Alamand