Marlin are after us again!!plse help!

themagics

Hi All, its been a while since we were last on here as things had settled down with our DMP and creditors were leaving us alone but since the credit crunch hit the headlines all has changed particularly in the marlin camp. those of you who will fagueley remember they were threatening us with court action for a ccj against us and a total of 4 accounts that they had bought from hsbc via metropolitan and tessara group.Well that never materialised because we managed to double our payments to the DMP and marlin passed back some of the accounts to metropoliton now ...please stay focused metropoliton have passed it back no sorry sold it back to marlin who sent us letters last week telling us so we have now sent them to the DMA payplan we then recieved a letter yesterday addressed to the hubby re his old hsbc cc account saying that marlin are considering presenting him with a statutory demand for outstanding debt to be paid in 21 days then if he fails to do that they will present a bankcruptcy petition to the court to seize our property and other goods inorder to recover the debt. so now i am !!!!!!!! myself sorry but i am and my cool as a cucumber hubby says that they (marlin) never proceeded with the ccj so not to worry too much we are due to increase out payments again next month as a hire purchase has just finished what do I do folks I'm really in limbo here very worried and feeling quite sick.

get_me_out

Hi

Firstly don't panic. It will cost the company a lot of money to file BR against you. Were if you filed yourself it would cost you 495.00 they would pay about 1200.00 So it's unlikely.

Contact CCCS or your local CAB and get your finanical details finalised it maybe that they are pushing for more than they should and leaving you short.

My friend was on a DMP but decided to file BR himself after a creditor threatened him with it. So none of his are getting anything now.

Bankruptcy orders for taking property can be complex pop over to the bankruptcy and dealing with it forum. Many on there will advise you.

themagics

thank you so much I would like to think that it is a threat to get us to pay them off out of court like they tried earlier in the year with the CCJ threat but its always a wait and see game with them and its unfair they don't give a !!!! the hubby reckons this will be the first of many threats due to the credit crunch

stapeley

You should now request a copy of the true signed CC AGREEMENT AND NOTICE OF ASSIGNMEMT . Without a CCA the account is in dispute and no collection demands can made . Non supply of a CCA will also allow a statue demand to be set aside .