Marlin & Cabot

[FlamingParrot]

Re: Marlin & Cabot

A default falls off the credit files after 6 years and is gone for good.
CCJs are different and although they also fall off after 6 years, they stay on the registry of judgments until they are fully settled.

Actually, they also disappear off the registry: http://www.trustonline.org.uk/unders...stay-on-record

County court judgment records: how long CCJs stay on record

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County court judgments (CCJs) stay on the register for six years. The judgment will be removed if it’s paid within a month – if paid later, you can have it marked as satisfied.

County court judgments: The six year limit

Details of county court judgments remain on the register for six years from the date of judgment, unless the judgment is set aside, or the amount is paid in full within one month (see below).

[FlamingParrot]

Re: Marlin & Cabot

:wub:
more than happy to pay the £1 standing order ....
for ever and ever....
it would have been better if the other cc took me to court
then they could all have a £1 a month by standing order

You can also set up a standing order to repay debts where no CCJ has been recorded.

although the defaults and ccj fall off the credit register does the debt still show on the agency record as its still live by paying the £1

Thanks for your time in replying to me.

No, the debt is only "live" for limitation purposes, i.e. not statute barred, however, they drop off the credit files 6 years after the default is recorded, regardless of whether you pay anything into it or not. :thumb:

[Lowry1234]

Re: Marlin & Cabot

You can also set up a standing order to repay debts where no CCJ has been recorded.
I do not have an agreement I just worked out what I can afford sent it my debtors monthly...nobody chases me...
I have three Barclay cards they do not contact me, I've paid my £1 for the last 4yrs. ...no contact ever from them or debt collectors!!'!
if I stop paying they will be coming after me...

the only one that pops up now and then is Cabot now. marlin like I said I've never written or responded to them


No, the debt is only "live" for limitation purposes, i.e. not statute barred, however, they drop off the credit files 6 years after the default is recorded, regardless of whether you pay anything into it or not. :thumb:

thanks for explaining... I misunderstood...I thought...they would show on my credit file forever as I was paying each month keeping it alive...
I'm. Never going to be able to settle my debtors nor could I go bankcrupt
i will just have to be the PoundLady,!'

[Lowry1234]

Re: Marlin & Cabot

Court claim form received without a response to letter temp plate sent as advised by VIP flameout. I have never had any dealings with Cabot nor letter or assignment saying they bought the debt? Advised best course of action to respond to Northampton CC center....

[Amethyst]

Re: Marlin & Cabot

If you received a court claim and want to start a new thread in this forum please complete this form and read THIS POST about your first steps

Guidance and Templates can be found HERE

[Lowry1234]

Re: Marlin & Cabot

Update :
letter recd from Mortimer clarke
axknowledging my court defence
enc copy of letter they say was sent O4.12 2014. This is not a copy of a letter I never recd why I wrote to them with my request it's just been written up and is not on their headed mote paper
they request I should set up a dd/so and payments shld be made to the sols.
they say they have requested copies of the ccA and deed of assignment
do they need also to show
that that Citi can sell my info on in their terms and conditions and name the third party...to who have they have sold
also do they have to provide a copy of the novation order also
i have not heard back from Northampton the 28 days finishes on the 30th which may be stayed
why are the sols asking for me to set up a Dd/standing order when they have issued court papers

what should I do ?

[nemesis45]

Re: Marlin & Cabot

All credit card providers Citi included have a clause in the agreement regarding selling or assigning accounts to 3rd parties.
There is really no point in that approach imo.
A notice of assignment from the original creditor and or the debt purchaser/DCA is what happens.
Seems like you have been sent an Office Copy of a letter, which will not be on headed paper.
It's called leading to believe you have no chance of defending the claim, so set up a DD now""

What do Cabot actually say about the CCA Request? Anything about having 40 days to comply with the request?

[Lowry1234]

Re: Marlin & Cabot

Nothing from Cabot..only sols. Saying they having requested the ccA and deed nothing about 40 days. The letter they say they sent is dated the 4th dec..... So that would mean we are on 48 days....

[nemesis45]

Re: Marlin & Cabot

Looks better that the sols are not claiming to have more than the 12 +2 working days to get the CCA.

[Lowry1234]

Re: Marlin & Cabot

I've had no contact with Cabot ...they sent a letter saying marlin own the debt ..which is the sister/same company.....
court papers in Cabot v meeeeeeeee

[Lowry1234]

Re: Marlin & Cabot

I don't know what that means to ME sols 12 + 2. Do I need to post up the letters from them

[Amethyst]

Re: Marlin & Cabot

moved to court claims section xx Just looking for other thread to merge. Is it this one ? http://www.legalbeagles.info/forums/...617#post507617

[Lowry1234]

Re: Marlin & Cabot

yes this is the one
have i uploaded the letters correctly

[Amethyst]

Re: Marlin & Cabot

that one is fine xx

mortimer 2.pdf

Bit of a pointless letter really isn't it.

[Amethyst]

Re: Marlin & Cabot

So basically you are waiting to see if the court/claimant respond to you after putting in your defence.