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been paying marlins for old HFC card for years - now sheosmiths threatening court


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Hi

 

 

I hope somebody can help me out there.

 

 

I have a credit card debt which was sold to Marlin Financial some time ago which

 

 

I have been paying back at £20 a month as that is all I can afford.

 

 

This has been going on for a long time with no problems.

 

 

However, Marlin started writing and calling with regards to not agreeing a repayment plan with them in the last couple of months.

 

 

I wrote to them saying that I could not afford any further amount at this time.

 

 

I kept on getting phonecalls/letters but ignored them as their automated system chases you even when you have paid them.

 

 

I have not had any letter saying that I have defaulted on any payments as all my payments are up to date as far as I can see.

 

 

I have now received a letter from Shoosmiths Solicitors threatening me with a CCJ and charging order if I do not agree a repayment plan.

 

 

Are they allowed to do this as I have been paying Marlin £20 a month for a considerable time

 

 

and am currently upto date and

 

 

also what happens if I cannot agree with the solicitors a payment plan as reading around,

 

 

they tend to demand the full amount or court.

 

 

I would not mind if I had defaulted on my payments or were behind but

 

 

I have checked my bank statements over and over and cannot find anywhere that would suggest anything

but me being upto date with my payments.

 

 

Any help gratefully received as to what I should do next. Thanks

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what is the debt all about please

 

 

is this on your credit file

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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oh god

they'll never have a CCA for that

prob all PENALTY charges & PPI anyway knowing HFC.

 

 

how did marlins get their teeth into you

 

 

you fell for the threat-o-grams?

 

 

you do know a DCA is NOT A BAILIFF?

and has no such legal powers?

 

 

go get your credit file See below.

 

 

dx

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If it was sold to Marlin then they will have to accept the payment plan that you agreed with HFC.

 

They will have no chance of getting a CCJ

 

Write to Marlin to say that you had a payment plan agreed with HFC for £10 per month & that this is still in force, although you have been paying £20 per month.

 

Meanwhile look to see if you were paying PPI & what charges you paid - they are reclaimable

 

It is also worthwhile sending a CCA request to Marlin, just to see what they can find.

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