Marlin

[Kafka]

Re: Marlin

I strongly advise you to send the SAR as mentioned above asap. That's your statutory right and the data that the original creditor holds is all that Marlin will be able to get anyway. That will tell you everything that we are currently wondering about. It will help you take action to prevent them filing a claim, but will also give you ammunition to be ready in case they do.

This could be the best tenner you've ever spent. Trust me :eyebrows:

[foxi71]

Re: Marlin

Kafta who do I send the £10 to (cabot, Marlin, Mortimer Clarke or BoS) and do I get a Postal order like the CCA? Thanks in advance

[Kafka]

Re: Marlin

Kafta who do I send the £10 to (cabot, Marlin, Mortimer Clarke or BoS) and do I get a Postal order like the CCA? Thanks in advance

The SAR goes to the original creditor as I said, at their HQ, using the template letter and enclosing the statutory fee. This can be cheque or PO.

http://www.legalbeagles.info/forums/...otection-Act-)

[foxi71]

Re: Marlin

Thanks. I'm surprised that I'm not actually worrying about this! I have been reading a lot on here though and noticed a lot of success stories against the dreaded debt collectors!
I shall now go and find BoS HQ address. Thanks again Kafka and Amethyst

[foxi71]

Re: Marlin

I have received a letter from Mortimer Clarke today saying that their client cannot find my credit agreement or any statements of account. It states that my credit agreement is now unenforceable but that it cannot be written off, that my debt remains payable but that they have been instructed to close the file.
My question is Have I beaten them???

[MIKE770]

Re: Marlin

yes unless they produce later

[Kafka]

Re: Marlin

Statute barred only means that they can't sue for the debt. It still exists, but they can't enforce recovery.

[foxi71]

Re: Marlin

Thank you. No doubt they will sell it on to someone else but I'm prepared now

[Kafka]

Re: Marlin

Did you send the SAR as I advised?
That should include whatever BoS have for the agreement and DCAs can only get the same.

[foxi71]

Re: Marlin

Yes I did. I think that's why they said they can't find the statement of account or my credit agreement

[Amethyst]

Re: Marlin

Good news on the CCA You have beaten them for the moment They may well sell it on but you can just bat them off with another CCA request. If they sell it to someone who does try and take it to court don't panic, just come back and we'll help you deal with it. Just try not to acknowledge the debt or get talked into making payments on it (unless its a very low full and final settlement to get rid of it for once and for all)..... and hopefully you'll be stat barred before they can get it to court.

[foxi71]

Re: Marlin

Thanks Amethyst. I haven't acknowledged the debt at all even though they are practically telling me I have to pay it in the letter they sent me. I'll definitely be in touch if another company buys it!