Marlin, Egg and Barclaycard

[Yorkie1974]

I am in a similar boat to many people here

- had an Egg card from 2000,

became overwhelmed by debt and signed up with a debt management company in November 2006.

 

The debt management company advised me in 2010 that the debt was unenforceable

and wrote to Egg asking for a copy of the CCA, which Egg said (when they were still Egg) they were unable to provide.

 

Egg was bought by Barclaycard,

Barclays sold the debt to Marlin and now they've started chasing me.

 

In reply to their first letter,

I emailed to say that I would like to see a signed credit agreement for the debt they are trying to enforce, and

 

today (a month later), I've had a print-off of an 'online application' which includes no mention of interest rates, etc.

 

Curiously, they've also detailed an unknown credit card number on the letter (which is also handwritten on the 'application')

which looks like a Barclaycard number (starts in 4929) and is certainly not the number of any Egg card I have held.

 

I've sent them a formal CCA request for any account for which they're seeking to enforce a debt.

 

I've spent a long time paying off and settling with creditors, and my credit record is looking better,

which is important as I set up my own business 18 months ago.

This debt no longer appears on my Experian credit report.

 

I guess what I want to know is:

1. - can Marlin do anything to further affect my credit record, given that the original debt is not on there?
   
2. - can they enforce any action against me to reclaim the money?
   
3. - Is there any benefit in making a SAR application?
   

I have not, at any stage, acknowledged the debt is mine,

and given that they have now tried to give me an erroneous account number,

suspect that this may get tied up in their systems!

 

Thanks in anticipation!

[dx100uk]

1. nope

2. doubt - sounds like you were fleeced by the DMC in the first place

3.yes always helps [to the EGG Canadian square address mind]

[Yorkie1974]

Thanks for that.

 

And yes, entirely fleeced by a debt management company

 

we signed up with when we were absolutely desperate.

 

Six years into a five year plan,

we sold the house and settled everything (or so we thought!) with the equity.

 

We're now skint and rent a house,

 

but debt free for the last three years.

 

Or so we had thought - we'd been told to forget about this one.

[slick132]

Hi Yorkie and welcome to CAG

 

The lack of an original signed credit agreement may not stop Marlin pursuing a debt. They'll say they have the right to do this.

 

However, the lack of a credit agreement should mean they cannot take court enforcement action or, if they do, it should fail.

 

Please note, a CCA request covers just one specific a/c. It's only with an SAR request that can you ask a bank for ALL data that they hold about you for all current, loan, savings and credit card a/c's.