Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry... ;)

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

copied from my egg post because it is relevant to both a/c's ................


Well.... I have just wasted my afternoon waiting in for the court guy to ring me (he wouldnt take my mobile number)...GREAT!

Happy suggested that I SAR the court so I've prepared the letter & will be sending it first thing...

I am truly shocked about the courts unprofessional behaviour... & not sure what to do about it or me not receiving the letter they say they have sent me...

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

I have received sar info from hfc/beneficial today.
There is a copy of a signed agreement in there... can I email it to you for your perusal? emailed to Amethyst & Cb
I am so confused! The last statement that they have sent is dated July 2009 & it shows a balance of £8875.00 (as per my credit file). Each statement shows nil interest & the last payment to go to the account was on the June 2008 statement. Interest stopped being charged on this account from the April 2007 statement....

[Curlyben]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

ROFLMAO

So nowt about the assignment then.
Now that's a shame..

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

ROFLMAO

So nowt about the assignment then.
Now that's a shame..

Well nothing obvious has jumped out at me yet! Im just going to have a closer look at it & will let you know if I find anything. There is a comment from when I spoke to the charges guy... when he said the account was sold, I said who to & it says that I queried the account & he advised me to call lits (litigation I guess)....
------------------------------- merged -------------------------------
My account status is 'charged off'. Is that a clue???

[Curlyben]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Charged Off just means they have shunted it into the abyss of bad debt

Mind you it does mean it's a non-interest bearing account..

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Some info from beneficial sar which may be relevant...

last stmt bal £8875.00 Date 05/08/09
Block code 1: Legal 07/04/07
Block code 2: Sold 28/5/2008
------------------------------- merged -------------------------------
My response in red

Charged Off just means they have shunted it into the abyss of bad debt ahhh ok thanks

Mind you it does mean it's a non-interest bearing account.. If the account has been sold, can it suddenly turn into an interest bearing one?

------------------------------- merged -------------------------------
I can't see anything referring to assignment.... just the sold bit I mentioned above.... There isn't any correspondance to my dmc either which I find suprising!...

Is there anything I need to be doing regarding this????

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Taken from my credit file today (& for reference purposes)....... This is the same debt being recorded twice with Callcredit. There are accounts on equifax but as theyre not named, I've not included them.


Lender name: Marlin Financial Services Ltd
Account holder name: Shas
Address:
Date of birth:
Accountholder status: Normal
Start date: 8th November 1999
Account type: Credit card I never took a credit card out with Marlin in November 1999!
Account status: Default
Last updated: 1st June 2009
Current balance: £10,941
Credit limit: £0
Opening balance: £8,964
Account start date: 8th November 1999
Repayment frequency: Monthly
Lump payment: £0
Default date: 31st May 2007
Original default balance: £8,964

&

Lender name: HFC Bank
Account holder name: Me!
Address:
Date of birth:
Accountholder status: Normal
Start date: 8th November 1999 - same as marlins
Account type: Credit card
Account status: Default
Last updated: 3rd July 2009
Current balance: £8,775 (agrees with amount shown on cc statements)
Credit limit: £0
Account start date: 8th November 1999 -same as Marlins
Repayment frequency: Monthly
Lump payment: £0
Default date: 31st May 2007 - same as Marlins
Original default balance: £8,964 - same as Marlins

Marlins sar request runs out next Thursday... Should I wait for that before doing anything?

[Curlyben]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Ooooooh well that's all kinds of naughty now isn't it

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Ooooooh well that's all kinds of naughty now isn't it

Naughty yes... & downright confusing!

I can't tell you how many times I've checked my paperwork to cover my back & ensure that they are the same accounts!

Any advice on this? & Any comments on the cca I emailed you?

[Happyolddog]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Let me get this right.

You are paying Marlins and HFC a monthly amount for the same debt, which as you stated earlier in the thread [QUOTE] Each statement shows nil interest. But the debt has grown from [QUOTE] Original default balance: £8,964 to [QUOTE] Current balance: £10,941 on both accounts. This is 'in my eyes' madness. They cannot add charges like this, surely they cannot take payments for the debt twice. I am very confused.

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

LOL COUS!
I am paying a monthly amount... just 1 amount!
It was going to hfc (it shows on the stmts until june 08 & interest is frozen)
& it now goes to marlins.... (their statement of account didnt show interest on it either...) marlins say the debt was sold to phoenix & phoenix assigned them as their agents. no proper paperwork has turned up yet! (remember the court palava & it must be missing from todays sar info I rec'd) So, Leicester County Court sar'd 28/8/09.

Marlins supplied me with a statement saying I owe £10941.00.
They supplied my dmc with an outstanding balance of £12334.81 (theyve told my dmc theyre charging interest because its a secured debt. £120 a month I think they said.). I have in writing from the dmc the £12k balance & also an email saying theyve never dealt with phoenix. The dmc has called me & apologised in regards to not being able to get this account under control with marlins.... The dmc was sar'd 25/08/09.

hfc have provided statements in my sar info up to July 2009 showing the balance as £8775.39. It's been this balance since June 2008.

So... my monthly payment is going to marlins as per my dmc... I feel like Im going mad too lol!


Should there of been info regarding restons work on the account, in the paperwork? lol

[Curlyben]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Your SAR should of included EVERYTHING, including all of the legal paperwork as well as the assignment.

Time for another letter chasing these other referenced documents.
Don't be too specific, but remind them of their duty under DPA

Something along the lines of requesting the additional information that is mentioned but seems to be missing from the SAR bundle. Mostly concerning the leagl action and subsequent sale of the account..

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

I suspect that there must be quite a bit missing including whatever work the litigation department has done for starters!

Ok, I will have a go, I think I saw a letter template somewhere.... thanks for that

[Curlyben]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Post up your letter beofre you send it and we'll adjust as needed

[shas]

Re: Shas V Marlin, Mortimer Clarke, Phoenix, Tom, Dick, Harry...

Ok thanks CB.
Not sure if it will be tonight.. It may be in the morning when I can 'think' more clearly.