Finance Debt sold to Marlin Financial Services

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

Have you heard from them yet? I havent heard anything. I've asked my boyfriend to talk to them on the phone once and once only to tell them we arent talking to them anymore hehe. We thought we had a missed call from them the other day but when i googled the number it was a dodgy PPI number lol.

[10pack]

Re: Finance Debt sold to Marlin Financial Services

Have you heard from them yet? I havent heard anything. I've asked my boyfriend to talk to them on the phone once and once only to tell them we arent talking to them anymore hehe. We thought we had a missed call from them the other day but when i googled the number it was a dodgy PPI number lol.

I do not think it was printed by Barclays.. look at the address on back of envelope its not a Cardiff address also letters from Barclays were always sent in a envelope with Barclays logo.

I think all of this is from Marlin I think they may well have the account numbers from Barclays but do not have the documents that go with it.
the rep on the phone told me they was waiting for documents from me to support my story of the account is in dispute, I asked what documents she meant?.. she made a few suggestions one of which was my agreement, and when I pushed the rep to supply me with a signed agreement she admitted she could not see one on the system.

I will be requesting documents from Barclays a SAR request it costs a £10 postal order (not cheque nothing with signatures) I suggest you do the same this means Barclays partner finance must supply all information they have on you.. including internal notes and recordings we will then see the truth of the matter.

Send it to their Cardiff address you have on your mail from them.

Also I was just reading a yahoo news story from the new boss at Barclays he has issued a memo to all staff telling them they must all work in an ethical manner and not in the way they used to because he no longer wants workers of that type.

I am thinking of writing to him with my details and ask him to look into what BPF have been doing to so many of their customers.. its worth a shot maybe he is a different type of man at the helm.. we will see?.

[10pack]

Re: Finance Debt sold to Marlin Financial Services

Also one other possibility, debt agencies have been known to sell information to each other if they do not get anywhere with a victim they sell the info on.. the buyer gets info and tries their luck.

I have seen off 4 debt collectors over the past 2 years each one backed off when I challenged them to supply me with those documents, they are committing a criminal offense if they ask you for money and can not supply them to prove they own it.

I suspect that even if you and I had a court victory tomorrow we will for many years be plagued with a DCA who does not know the info he brought is out of date and fancies their chances

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

I've had 4 debt collection agencies too :-).. buggers couldnt drop the case fast enough. I didnt even ask for proof of the debt, I just told them of the history of the debt and that i didnt owe BPF any money and that infact they owed me money lol.. i was soo bloody angry! (all in my bf's name of course). Thats pretty good detective work 10pack, the envelope thing. I never paid much attention to the envelopes, i always knew it was them cos they have spelled my boyfriends name from the start! his surname anyway.

That would be strange if it come from BPF, cos thats the computer generated signature letter! Maybe that's their ploy.. but why havent we heard from them yet?

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

spelled my boyfriends surname wrong for from the start that should read!

[CleverClogs]

Re: Finance Debt sold to Marlin Financial Services

I do not think it was printed by Barclays.. look at the address on back of envelope its not a Cardiff address also letters from Barclays were always sent in a envelope with Barclays logo.

Hasn't Marlin's artwork department bothered with that detail? msl:

I think all of this is from Marlin I think they may well have the account numbers from Barclays but do not have the documents that go with it.

I'd be astounded if they did.

Also I was just reading a yahoo news story from the new boss at Barclays he has issued a memo to all staff telling them they must all work in an ethical manner and not in the way they used to because he no longer wants workers of that type.

Really?

Did I ever mention I might be able to sell you Blackpool Tower? :rofl:

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

I have also looked into Marlin, and these fckers BUY debt.. the other 4 debt collectors where.. just no win no fee debt collectors, referring to "Our Client".. these blood suckers may actually own it. I've looked into them and they but debts for a few pence to the pound.

[CleverClogs]

Re: Finance Debt sold to Marlin Financial Services

I have also looked into Marlin, and these fckers BUY debt.. the other 4 debt collectors where.. just no win no fee debt collectors, referring to "Our Client".. these blood suckers may actually own it. I've looked into them and they buy debts for a few pence to the pound.

I would take issue with you describing Marlin as "blood suckers", as leeches also live on blood yet leeches can still be useful in medicine.

Marlin could be better described as ghouls.

[FlamingParrot]

Re: Finance Debt sold to Marlin Financial Services

I have also looked into Marlin, and these fckers BUY debt.. the other 4 debt collectors where.. just no win no fee debt collectors, referring to "Our Client".. these blood suckers may actually own it. I've looked into them and they but debts for a few pence to the pound.

The fckers do EVERYTHING: Collections, debt purchase and litigation.

Below is what Marlin Legal have to say, in plain English, they will take you to court if they not only think they can win, but also if you own property they can secure the debt on:

Use of the Marlin Valuation Process (MVP), a proprietary database and set of algorithms that enable the evaluation, identification and prioritisation of debtor accounts suitable for the litigation process.
An alliance with a firm of solicitors, who provide us with a bespoke litigation service.
A streamlined process that enables judgment and enforcement orders to be obtained quicker than our competitors.

Marlin are one of the better organised debt purchasers around.

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

I cant say I'm looking forward to it but maybe it has to go to court because maybe they wont win. Thank god we live in rented accommodation!

[FlamingParrot]

Re: Finance Debt sold to Marlin Financial Services

I cant say I'm looking forward to it but maybe it has to go to court because maybe they wont win. Thank god we live in rented accommodation!

If this is for one of those infamous learning courses that Barcaps happily got involved with, then you would have solid grounds to dispute the alleged debt. Also if you are not a homeowner, Marlin Legal may well put you in the 'not worth taking to court' category.:dance::grin:

[10pack]

Re: Finance Debt sold to Marlin Financial Services

If this is for one of those infamous learning courses that Barcaps happily got involved with, then you would have solid grounds to dispute the alleged debt. Also if you are not a homeowner, Marlin Legal may well put you in the 'not worth taking to court' category.:dance::grin:

Yes these companies barclays/clydesdale bankrolled , Advent and train2 are 2 of the companies owned by the same directors they both operated in the same wat and they both closed down at same time taking all the cash with them.

Out of interest I read somewhere that they now are involved somehow with Computeach and some other company, I wish the law allowed us to screw these bastrds to the wall and got all our money back they caused a lot of this together with barclays and just walked off whistling with a suitcase full of money.

I actually own property so I know I will be a target for them, but I did inform them I have seen off 4 DCA before them and as far as I am concerned its barclays that owe me money not the other way around.

I was thinking if and that's an IF marlins could prove the own the loan.. will I also be able to take them to country court and claim off them?

with barclays they was jointly and severely liable since this was a linked loan we took out does this mean marlins will be also.. does anyone know if its possible??

I not only want to get the money I am owed, I also want to get money for distress and for damaging my credit worthyness, expenses and interest on top.

[10pack]

Re: Finance Debt sold to Marlin Financial Services

Its seems marlin and their lawyers have made some enemies who are out to do them, the evidence of their operating practices is extensive.

I watched the the Ch4 Despatches program about debt collectors when it was screened over a year ago, it was focused on marlin in particular.
I think the OFT and trading standards would be very interested to hear more details of marlin at work.

[CleverClogs]

Re: Finance Debt sold to Marlin Financial Services

I rather doubt that the inherently indolent Office of Faffing and Twaddling would really want to do anything about Marlin.

[CheesedOffCharlie]

Re: Finance Debt sold to Marlin Financial Services

I am totally with you 10pack. I dont know what other forums you have joined but I would also suggest getting some witness statement. I have a huge paper trail in the last 2 and a half years I have been fighting with BPF... they havent acknowledged anything I've said they have just disputed it.

I have discussed this with my boyfriend this evening after FlamingParrots post and he is now in agreement but court is probably the best place for this.

Our new lazy solicitor that is 'supposed' to be taking on our new group court action has even told us it might cost us between £3000 to £6000 costs to the solicitor on a no win no fee basis and they have written into their clause they can drop the case at any time and keep what we have paid to date.. doesnt sound like a good 'no win no fee' to me.

When we get our first letter from Marlin.. 'this was suggested by our trading standards guy'.. if they have purchased the debt, are they now responsible for the money we have paid to date?

I am going to go at Marlin like a tank when they contact us. Let them know that we would very much like to take this to court and stop threatening us, just do it.. and do they owe us £2000 lol.