Cheers, but that just gives the # of days etc. How do you check the validity etc?

Which link? They are everywhere

Great, cheers. Is there information on here which outlines the process / outcome for both? Or shall I juct duck back into this thread and share whatever they respond with?

Marlin acquired NR's loan portfolio last year. I am going to send requests into NR for copies of the original paperwork as I smell a rat. I took a personal loan (unsecured) in 2005 and defaulted on this and 3 credit cards in 2009 when I went DMP. The default wasn't recorded by NR, just an ATP until early 2013 when it dropped off of my credit history. I have 4 defaults from 2009 which expire next yr and I will make F&F on these are they are valid (I have CCA's them). I'm worried about the Marlin loan, I am desperate to avoid a CCJ or something I want a plan as to whether continue paying them £60 a month, F&F or test the validity.... Long rambling post (sorry) - my question is do I CCA/SAR or both? And to NR or Marlin?

Thanks. Sounds like it's going to be a journey! Who and how finally resolved? Maybe I can go straight for that approach now

What do you mean by reclaiming? They have frozen interest, I don;t think there have been any penalty fee's added and there is no PPI

Cheers chap, much appreciated. Family loan (potentially).

I don't have £13K but could potentially borrow it in a few weeks time. I will try and get some advice from the DMP co. Tomorrow. Should have sent in the s77 a month ago and agree re: the 20% S77. I assume that Marlin will issue a default and reset the six year clock

I think it was a credit card from the outset, I guess the CCA will show that? Have a massive concern over the NRAM one, engaged Payplan to speak tomorrow but not confident on their advise. I simply need to do anything I can to stop it getting a default and another six years credit mess. Looks like I'm going to have lump up £13K and pay in full somehow. Wounder

Paragon was M&S, DLC / Hillesden was MBNA (now has the CCJ). Sorry

Payplan, nothing to reclaim. All interest and charges stopped

The NRAM loan is a nightmare, it's not been "defaulted" but ticking over as arrangement to pay for the last four years as I have been paying back £180 a month. Even if I agree a full and final with them now, they are going to default it so the credit will be shot for another six years

I assume so. CCJ is still with Hillesden

Yes, one that has been sold. Was Hillesden (MBNA) now Paragon

Knew about it, ignored it as I was happy with the monthly payment and scared they would try and force me to pay the whole lot back immediately!! In hindsight - absolute idiot!