Had a reply from Marlin by snail mail this morning, which was pretty quick considering the number of letters they must have sent out. They tell me the account number is the new one (Barclaycard) since they took over EGG cards, the account being terminated 2010. Marlin do not have a copy of the agreement but are now approaching Barclays to get a copy????? Seems a strange situation, would have thought Marlin would have all documentation at their fingertips. SFU, I never received a new agreement from Barclays with my new account number on it, I had only received letters signed by a Mr Mcweeney regarding the transfer from EGG to Barclaycard, think there will be a lot of twists and turns on the path ahead.

Even with Scottish Small claims at £3000, my claim would clear the balance and return to me £1000+, the Limitation and Prescription Act would let me go back at least 6 years from the date I became aware of the charges (and notified EGG) ie 2009. Barclaycard have refunded me 6 years of charges already on a Goldfish card witout putting up a fight.

After my success with reclaim of charges against Capital One, with interest in restitution at 24.4% they would probably be due me around £1000+ and that is too good to allow them to sleep.

I believe last payment to them was August 2009, have been chased by umpteen DCA's since then with no court action, as other poster says letter of assignment received today along with letter from Barclaycard, basically saying they have washed their hands of the account. Have e-mailed marlin as account number is totally fictitious. Have previously asked them for refund of default charges, they dismissed that, so will start annoying them now.

Have asked Marlin to confirm the account they are collecting. the Account Number supplied by Barclays/Marlin does not even resemble the EGG one.

Well having forgot about this crowd for a number of years, they have suddenly popped up to the surface again, like a lot of things that tend to float. Debt has now been assigned to Marlin Financial Services by Barclaycard. Will have to get default charges plus Interest in Restitution worked out, should clear balance.

Going by comments on Martin Lewis's Forum, I am not the only one having problems with this lot.

Ta dx100uk have e-mailed Ombudsman with my complaint.

I changed to these suppliers last March/April after going through U-Switch price comparison and what a nightmare that has proved to be. Although Direct Debit amount was agreed, and in fact placed at a higher amount, I have yet to pay them one single penny. I have e-mailed their "Customer Services" continually throughout 2012 to tell them that the DD is not set up, only to get responses that "I am paying by DD." I have had no demands from them for money, no correspondence saying DD failed, they have just continued asking for meter readings. I finally raised a compalint with them in December and was told that I was on variable DD and full amount would be taken. On asking for copy of disputes procedure, I was sent a copy of their internal path for any complaints, with supervisors names, no mention of a higher independant authority. Who is overseeing these companies? Who do I complain to? Wish I had never heard of them, they are a joke/

They will fight you tooth and nail, they employee the most expensive defence lawyers, they disagree at every turn, but in my case they did eventually cave in. Would go for interest in restitution at 24% or 28.8% and be prepared for a roller coaster ride, they can be beat, at some points you feel like chucking it in, I got everything I asked for and was kept going by subscribers to this Forum. That was going through the Scottish Legal system. Onwards and upwards!!!

Well back to Wescot now, letter received at weekend, on TSB headed paper, last time I replied they denied sending out the letter.

All Capone entries removed from my credit file, at last!

Well request returned by CAR, "Not our domain, please contact BISL for the details" seems they want to harass you but do not like when you reply. Will have to SAR, BISL now, at least I got the £1.00 postal order back.

By all means Ida, still smiling yet over the outcome, though was dreading a second Court appearance.

WON Claimed for charges 2002 to 2010, with interest in restitution at 24.4%, comes to a total of £2962.14, bringing it within Scottish Small Claims limit. Raised case did prliminary hearing, went to second hearing scheduled for 21/12/2012. CAPONE settled out of court, account cleared, £1202. in my hand, default to be cleared from my Credit Reference File. They can be beat with perseverance. Big thanks to Ida and SFU, and anyone else that contributed.

Claimed for charges 2002 to 2010, with interest in restitution at 24.4%, comes to a total of £2962.14, bringing it within Scottish Small Claims limit. Raised case did prliminary hearing, went to second hearing scheduled for 21/12/2012. CAPONE settled out of court, account cleared, £1202. in my hand, default to be cleared from my Credit Reference File. They can be beat with perseverance.

In the process of having default removed, they are really slow, advised by Agency that files updated in 14 days. I am going via their (Capone) solicitors to get this removed as a condition of the penalty charges settlement.

Have SAR'd them this morning, have received letter from DCA:- C.A.R. so I am not very happy, have also asked for breakdown of cancellation charges (£145) and details of any £20 default charges and how that figure is arrived at.

Ta for that, have SAR'd them and asked for breakdown of cancellation charges plus details of any default charges they have applied.

Anything further on this? Going through the same problems with Post Office car Insurance, administered by BISL.

Bringing this back to top of forum, Scottish Small claims proof hearing on the 21st December, initial hearing passed wit capital One lodging defence.

Things are moving fast now, people have been talking to others in the background, good news on its way.

Ida, you've cracked it, spoke about the loyds case with my lady in Edinburgh and she confirms that the clauses are the coup de grace for the Burness "English" legal argument. Will have to get it submitted now.

I have been screaming out for opinions for over a month now, I e-mailed Govan law, no reply and also Robertxc, once again no reply. Apart from yourself and Ida there has been nil response to the legal argument, I was advised to go to CAB or a local legal drop in service based in Dunfermline

Congrats Alan, I take it you are pursuing MBNA through English system as they are based down south?