Do Your Own Debt Consolidaton And Save! Know Exactly When You Will Be Out Of Debt, And Sooner Than You Think. No: New Loans, Credit Checks, Monthly Fees, Discussing Your Situation With...
letter from Marlin debt agency
Mar 13th, 2008, 5:00pm
Hi to everyone! I had a car on hire purchase in Feb 2002 which i defaulted on due to being unemployed, sometime later about 1 year the car was repossed. Anyway i ignored demands for any money and never acknoleged the debt. I have checked my credit report and it states that the debt is satisfied. Obviously a debt collection agency bought the debt. I have been getting letters form a company called Marlin with all kinds of threataning actions against me. The latest letter says they are rcomending the creditor makes me bankrupt. I am currently living at my mothers with my partner and not on the electorol roll there. What are the chances of them actualy making me bankrupt? I have totaly ignored their letters e.t.c as the debt was taken out 6 years ago. Has anyone got any advise? Thanks.
dmq
Full Member
Re: letter from Marlin debt agency
Reply #1 - Mar 13th, 2008, 8:57pm
When exactly was the last time you had contact with the loan company, or is there a date on your credit file stating when the loan was filed as 'satisfied' ? DMQ
dirtyrider
Topic Starter
Newbie
Re: letter from Marlin debt agency
Reply #2 - Mar 13th, 2008, 9:05pm
Hi, i cant remember the last time i had any contact with the loan company, prob 2002. Its marked as satisfied 6th May 2006
Sue
Gold Member
Re: letter from Marlin debt agency
Reply #3 - Mar 13th, 2008, 9:34pm
Is there anyway you can find the last date you paid them anything? This is important as you could be or are near to having the debt being statute barred.
pinkminkee
Gold Member
Re: letter from Marlin debt agency
Reply #4 - Mar 13th, 2008, 9:35pm
seems to me like a ploy to get money out of you dirtyrider
if i were you i would simply ignore it
dmq
Full Member
Re: letter from Marlin debt agency
Reply #5 - Yesterday at 12:44am
Yes agree sue.. Ok it says satisfied 2006 so that could be the time it was sold on or put somewhere for the time being or what ever.. My opinion is send skis letter to marlin to see what info they hold as its bordering on the 6 year stat.. Could we not ask for a sar ?
Sue
Gold Member
Re: letter from Marlin debt agency
Reply #6 - Yesterday at 11:42am
A sarn would show all the info and possibly any last payment dates but it's highly likely though that marlin have bought the debt & dont hold the payment details. If they did it could tip their hands. If for instance there was 3 months to go Marlin might notice and get the CCJ process underway earlier than they normally would.
I'd be more inclined at this point to sarn my bank if I knew the last payment was dd or cheque and didnt have the statements. The prove it letter to marlin would give a month or more breathing room while they scrabble to get the copy and possibly a deed of assignment.
dirtyrider
Topic Starter
Newbie
Re: letter from Marlin debt agency
Reply #7 - Yesterday at 1:44pm
thanks everyone for your replies.
dirtyrider
Topic Starter
Newbie
Re: letter from Marlin debt agency
Reply #8 - Yesterday at 1:51pm
If it came to it, say they were going to take me court to make me BR, could i send them a prove it letter or say the debt was in dispute, as the money they are asking for (6000) is the money that was owing at the start of the agreement. I did pay a number of payments at 173( the original company was first response) and the car was taken back but they say i owe the whole lot, is this correct? Would it be possible to make an offer of instalments if i had too, i dont want to go BR as i have built up my credit rating again(a bit) and the prospect scares me. Cheers.
dirtyrider
Topic Starter
Newbie
Re: letter from Marlin debt agency
Reply #9 - Yesterday at 1:52pm
P.s on my credit file it says default date as 24th jan 2003 Could they serve BR papers on me even if they dont personally give me a letter. If anyone came knocking at the door my mother or partner would say i dont live here. Also say i get another letter(i can tell by the envelope, but no address on) is it possible to just send the letter back saying `person not at this address` how is the best way to do this as the letter would have to be opened to get the address. Regards Dirty.
« Last Edit: Yesterday at 4:24pm by dirtyrider »
dmq
Full Member
Re: letter from Marlin debt agency
Reply #10 - Yesterday at 4:29pm
Point 1. Its highly unlikely they would make you br. Point 2. If they knocked at your door tell them to 'get of your property or you will call the police' . Right you have to cover yourself best you can here and send the prove it letter.. Get that done now and find out when the last time you spoke/paid them was. If they take you to court that will be dealt with later but for now just send the letter and try some yoga dmq
dirtyrider
Topic Starter
Newbie
Re: letter from Marlin debt agency
Reply #11 - Yesterday at 7:22pm
Thank DMQ
dmq
Full Member
Re: letter from Marlin debt agency
Reply #12 - Yesterday at 10:31pm
No prob.. Send the letter with a postal order and print your name and not signed dmq
Part of living in a wonderful nation such as the United States is that we have such awesome freedoms; with these freedoms come responsibilities as Americans.Laws are passed for our protection dealing with all aspects of our lives.Bankruptcy laws help make sure the process of filing bankruptcy is fair for all Americans, no matter their tax bracket.As the number of bankruptcies begin rising in our nation, it is important to know about the current laws that deal with bankruptcy.If you find that you
If the car loan you've got now is too high for your liking, it might be possible for you to find a refinance car loan. With consumers getting hit with rates as high as 21% to 24% or even higher, it's no secret that you'd like a lower rate, and would save yourself a bundle if you can do this.To do this, you are first going to have to do some homework and gain a little knowledge so that you have the proper tools it takes to talk to a salesperson or lender and get your car loan refinanc
If you have a lot of debt, one thing you might consider is debt consolidation. There are two different basic types of debt consolidation that for unsecured debt and secured debt. Unsecured debt consolidation is what we'll be talking about.What is unsecured debt? Unsecured debt is any debt that doesn't have collateral attached to it. As an example, most credit card debt is unsecured. That means that when you acquired the credit card, you didn't put up collateral in exchange for having
Wedding is a special occasion where two souls take vow to unite and remain forever as husband and wife. Naturally, it is a grand affair and everyone involved will try to make it as big as possible. However, if you want to get the best for your marriage, you must have the finances to cover the expenses. As most of you will agree to the fact that a good wedding ceremony will always be a gift to cherish for the better half. Even if you are falling short of the money, it can be tackled with
The best way to handle the excessive debts is perhaps the debts negotiation. This is so because eliminating a debt quickly and completely is impossible. So, instead of taking the pain of worrying for the debt repayments you can take this program up and practice an easy and simple procedure of repayment. Following this program will definitely prove to be helpful to you.
There are certain financial experts who use to play the role of debt negotiators to help the borrowers out. Such expe
Do you worry for your unemployment? If so then no more you would have to suffer from that pain. All your monetary problems from now will disappear as the loans for unemployed has come for your rescue. You would only have to take the loans up and then face any big or small financial crisis.
These loans are being provided to the unemployed people on certain grounds. You will get the option of secured and unsecured loans in it but anyone cannot just opt for these without meeting a few c
Andrew Borrok has been the Principal of 14 Penn Plaza, LLC since 2003, and has served as General Partner of the 425 Park Avenue Company since 2001. During his time at his current positions, Mr. Borrok has made many important changes and offered a great deal of successful legal advice.
At 14 Penn Plaza, Andrew Borrok is responsible for a $93 million squeeze out buyout of 90 partners and approximately $60 million mezzanine loan in connection with the buyout, $106 million worth of refinan
Heavenly Father,
Hallowed be your name, your kingdom come
Your will be done on this Earth as it is in the Heaven
Give us today our Daily bread
Forgive us our debt and sins
As we have forgotten our debtors and sinners
Lead us not into temptation
But deliver us from the evil one
For you are the glory and the power and the kingdom
Running a business is tricky. You may face situations for which the capital you have on hand is not enough. It is best to trust professional lending schemes when it comes to financing your business. It is a crucial and daunting process and obviously you would want terms and features which should go well with your requirements. Business loans are dependable options for all business-related needs. They are loans which may be taken to add monetary fuel to your business. It is extended to in
Loans are almost inevitable for many people. If you ever want to buy a house, buy a brand new car, or go to college, there is a good chance you will have to take out a loan. Going to college is a huge source of loans for people, especially for those going to a very expensive college.
When you get your tuition bill, the first thing you do is think about how you are going to pay for it. Do you get any financial aide? Do you have any scholarships that can help pay for it? Do you h
