Marlin Financial

AngryDog

It seems that HSBC have "sold" my debt to Marlin Financial, who have sent me a SOA form to complete, requesting my employers details! I've never provided my employers details to a DCA before and I do not intend to start now. I assume that there is no requirement for me to do so?

Does anyone have any experience of Marlin?

Eta, my debt was with metropolitan before going to to Marlin.

Lensman_2

There is no obligation at all for you to supply any more information than they have already.

However, if your intention is to amicably settle on a repayment amount you may find a SOA to be useful. I don't see any reason to supply your employer's details. I would politely decline that request.

I would write to them insisting that all communication be in writing anyway, no matter how you want to proceed. If they call after that letter then simply remind them of your requirement and hang up.

harveybobbles

Only a court can request such info.

Ask them which Act of APrliment allows them to ask for this info..

How old is the debt? when was last payment? Have you CCA'd them?

AngryDog

Lensman wrote: »

There is no obligation at all for you to supply any more information than they have already.

However, if your intention is to amicably settle on a repayment amount you may find a SOA to be useful. I don't see any reason to supply your employer's details. I would politely decline that request.

I would write to them insisting that all communication be in writing anyway, no matter how you want to proceed. If they call after that letter then simply remind them of your requirement and hang up.

Thanks, I will do just that. I have been making payments, and they have just turned down an F&F offer.

harveybobbles wrote: »

Only a court can request such info.

Ask them which Act of APrliment allows them to ask for this info..

How old is the debt? when was last payment? Have you CCA'd them?

Debt is going back to 2010 when it went into arrears, otherwise I've had the credit car for over 10 years. I know I owe the debt. I've never done a CCA.

My last payment was on the 21st of May.

SillySod

harveybobbles wrote: »

Only a court can request such info.

Nonsense. Anyone can *request* such information. The key points are whether (a) you are obliged to provide it, and (b) whether it is in your interest to provide it.

Probably there is no obligation, but if you want to pay less/slower than contractually obliged to, then it is probably in your interest to show that your finances necessitate such action.

AngryDog

I have no desire to let them know who I work for. Last time I did that, my employer used to get phone calls from the DCA

sourcrates

SillySod wrote: »

Nonsense. Anyone can *request* such information. The key points are whether (a) you are obliged to provide it, and (b) whether it is in your interest to provide it.

Probably there is no obligation, but if you want to pay less/slower than contractually obliged to, then it is probably in your interest to show that your finances necessitate such action.

You are under no obligation whatsoever to share personal information of any kind, with any 3rd party, except the police, and under the warrant of a court, it may or may not help your financial case with a DCA but its what they may potentially do with such information that should worry you.


It is not unheard of for them to contact employers and to sell on such data, so you could be pestered by ambulance chasers or debt management companies etc.


The less information you share with a DCA the better in my view.