Our DMP peeps just said that they are seeing more and more DCA's go for Charging Orders nowadays to guarantee they get their money back in the long run. Still, will see what happens, no calls today or yesterday, worries me a bit as they have gone quiet

I have had problems with Marlin, they went quiet for a while and now have reared their ugly heads despite being paid via a DMP. I have CCA'd them today on all our accounts. They did tell my hubby before xmas that they would accept the payments for 3 months and then get a Charging Order on our house. They are now telling me to ring them extremely urgently, but wont do so. Hubby asked them to put it all in writing last week and they said why and would send someone round, still ringing. They are bullies and always seem to bring out the worst in us and we end up shouting at them. Going to send the no call letter tomorrow and see what happens then, bet they ignore. We have got new phones and changing back to BT on the 7th, so will have caller display, which will make things easier, can leave my phone on the hook and just answer who we want Love Caz xxx Love Caz xxx

I have read it and bookmarked it, to see how you get on. Thanks for that, we sort of felt alone, but realise we arent, that helps when you have support from others who understand and can help you with it all........dont feel very confident with letters, but probably can find most we may need on here.

Do I send it to Marlin

A letter with HSBC at the top says We are writing to inform you that the above account has been assigned to Phoenix Recoveries (UK) limited S.A.R.L. acting in the name and on behalf of its compartment "Tessera Recoveries" on 12 October 2007 This means the effective owners of the above account are now Phoenix Recoveries (UK) Ltd S.A.R.L Phoenix Recoveries (UK) Limited S.A.R.L. have now appointed Marlin Financial Services as their servicing agent to manage your account on their behalf. All contact regarding this account should be directed to Marlin Financial Services Address Phone Number We can confirm that the amount outstanding on your account as of the date of sale 12 October 2007 was £xxxx.xx and all payments since 8th August 2007 will be forwarded to Phoenix Recoveries shortly. Its not signed just a typed name. _________________________________ Letter from Marlin dated same day We give you notice that we have acquired from Phoenix Recoveries (UK) limited S.A.R.L. acting in the name and on its behalf of its compartment "Tessera Recoveries" as assignee of HSBC Bank Plc ("HSBC") and all of HSBC's rights in to and under the above detailed account. We will be administering the account. As a result of this assignment the full amount outstanding on the account is now due to us. IT THEN GOES ON TO SAY That shouldnt make payments to HSBC and that we can have a copy of our personal information if we send an admin fee of £10 ----------------------------------------------------------- Is that the info you needed Shane Many thanks

We didnt receive anything from Pheonix, just a letter from HSBC, but not a proper letter headed letter (as others have pointed out on other threads) then one from Marlin. Do I scan them in and then post the letter

Ok thanks, will do that tomorrow. They havent actually put in writing that they are going to get a charging order, they told us and the debt management company, on the telephone, that is what they are going to do. Thank you for your reply, a bit confused about all this, reading this forum has confused me lots, but hopefully can be talked through step by step

Between us we have 2 gold card debts, 1 overdraft and 1 personal loan. They were were all taken out in the last 4 years. Overall they amount to about 20k, thats the bit that worries me. They have been paid regularly for more than a year through the DMA, just couldnt understand why they said payments ok for 3 months then going to court, why not now. Hoping its just a scare tactic, but they can see there has been regular payments for some time

Whoops pressed send to quickly

Hello I have stumbled across this forum and really need some help and advice. We were paying via a DMA Metropolitan for several different types of debt owed to HSBC. All was ok, until last week when we received a letter from Marlin Financial Services saying they were now managing our accounts for Pheonix Recoveries. Hubby received a phone call from Marlin and the lady became rather irate and raised her voice at him and said that they would accept the payment through the Debt Management for 3 months and then would apply for a charging order on our house via the Court. We are obviously worried about losing our home, so any help or advice would be much appreciated on what to do and how to deal with this. Many thanks