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Charging Order (Nrock and Marlin)

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  • Charging Order (Nrock and Marlin)

    Hi there

    First post and its for help im afraid !

    I defaulted with a loan with Northern Rock (or NRAM) who then secured a charging order on my home on the 13/3/2007. (My name is the only name on the mortgage and for clarity no regular payments where instructed to be paid)

    Roll on to now and NRAM have sold the debt onto Marlin who are now hassling me for payments.

    I got a court letter through the other day which was a "substitution of claimant notice" which im assuming means Marlin now legally owns the debt completely. I've done a search on Trustline and no judgements are showing against me which im assuming is because over 6 yrs have passed

    Just need to know whats the way forward for me now and where i stand considering there is a charging order on my house and yet they want me to make payments ?

    Thank you

    Paul
    Tags: None

  • #2
    Re: Charging Order (Nrock and Marlin)

    Anyone ?

    Comment


    • #3
      Re: Charging Order (Nrock and Marlin)

      Sorry for missing your post.

      In your original judgment NRAM were given permission to apply for a charging order and there were no instalment conditions given (do you have a copy of the original judgment). In which case Marlin would need to apply to the court for a variation of the order, this could be a possiblity if they have already submitted the substitution of claimant docs. In what way are Marlin hassling you for payments ?



      The NRAM/Marlin etc deals all finalised on 10th Feb 2014 and they've really helpfully put this up on the CO question.


      Do I need to contact anyone regarding the charging order on my loan?

      No, you do not need to take any action. Marlin will be responsible for the on-going administration of your loan.
      lol, nice of them. ( http://www.n-ram.co.uk/loans/sale-of-personal-loans )
      #staysafestayhome

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      Received a Court Claim? Read >>>>> First Steps

      Comment


      • #4
        Re: Charging Order (Nrock and Marlin)

        HI

        No worries... thankful for any help

        Yes i have copies of the original judgement. I have offered them a monthly payment but they have just wrote back declining.

        Im going to offer more now but is there a letter template i should be sending with it ?

        Comment

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