Merligen investments Ltd: Moriarty law

Hi guys

Be interested to hear if anyone has had contact or knows anything about Merligen investments Ltd and Moriarty law?

Are these just another load of bottom feeding debt collection parasites?

Cheers in advance

I've had a look, seems they buy the dregs that others have been unable to collect, the very lowest of the bottom feeders.

http://merligen.com/about.htm
http://www.creditrepairman.co.uk/merligen-investments-appear-to-be-using-underhand-tactics/

hi
Thanks for that.

Just had a letter from them stating Claims Advisory Group have assigned their/my alleged debt to these parasites.
A debt that I asked them to prove way back in 2012.Had various threats FEAR tactics) from CAG none of which came to anything. I sent the letters out asking for certain info and proof all of which were ignored.The threats continued though.
I 'thought' they had gone away.

These assholes seem to use underhanded tactics when trying to claim things it would seem.One even said they are pretty insistent. But then again it was on a 'normal' debt advice forum where they don't know things as we do.
I have asked then to provide proof from CAG I owed them anything(apart from photocopied engagement letters). They have aknowledged this and asked me to contact Moriarity direct and will ask CAG to provide this (fat chance) provided a address, Phone and e-mail.

One thing I will state KEEP WELL AWAY FROM ANY CLAIMS FIRMS. Even those who purport to 'only look for you and you have to give permission for them to proceed on your behalf'.

Cheers again

Hi guys

Does anyone here have experience in dealing with Moriarity Law or Merligen investments?
Will this be just the normal three letter process for debt collectors. I believe Merligen now has the right's to this.Or do they.
CAG have given up.
Scamming bastards.

Cheers

Hi,
You need the letters for debt purchasers not collectors.

Hi
Are theses revised letters available in PDF form or do we modify the original ones?

Cheers............

Hi , The letters are formatted that way so that it is necessary to get a better understanding of what you are asking them for,rather that a downloadable template .I know its a pain but it will give a much better understanding.

Thanks for that and I do understand.
I also appreciate the effort you've gone to to even provide these.

Cheers.......

I note that you state you asked them to prove this debt way back in 2012 ??

have you paid anything to anyone since then ?

if not it is highly likely that it is statute barred

As Waylanders post.

Hi guys and thanks for the responses.

In answer to your question...
I was contacted by phone around 20th December 2012 and was not aware of how fraudulent things were then.
As I was put on the spot and didn't know ,what I know now,i agreed to a one off payment of £10, only to be informed, "you will have to increase that amount after this is taken".
The amount interestingly was taken (having just looked at my old bank statements) by 'Lawton Hathaway' on 30th January 2013.

Now I have had time to process things somewhat and I find it odd that this was not taken by Claims Advisory Group ,but it appears by their 'in house debt collectors'. As these were the first I had to deal with when they started their threats.

I have made NO PAYMENT at all since then and admitted no debt but only asked them on three separate occasions (using the letters on all occurrences, 9 in total) for their undeniable proof that I do owe them what they state.

I had Lawton Hathaway first to deal with.

Then I received a comical threat from a alleged firm called 'Churchill services' that (and in their bold letters in the middle of the letter) stated, THEY COME TO YOUR DOORSTEP.
I sent the three letters requiring proof of claim again. They stated "you know our position on this and have sent what you asked for".(a photocopied letter of engagement and that was it.) None of the three things I asked for providing PROOF they had anything to do with this claim. Everything that happened certainly didn't go in their favour so the onus is on them to provide absolute proof...........yes?

Then lastly during 2017 I received more threats about me having to go to court and them putting at the top of their threatogram 'Claimant CAG', Defendant  'my name'. Well if all that had merit why has nothing transpired folks?

Now I receive nearly a year after that info that a old uncollected debt purchaser Merligen investments Ltd has acquired my 'debt' from CAG and I should now class them as the new owners and to contact their debt collection firm Moriarity law (as it seems they are now in control of my 'account' with updated invoice numbers) to get a payment plan sorted.

Now once again having read the comments here it got me thinking again this morning.
Why do they require ME to contact Moriarity Law. Well it's more than likely be to get me to admit some kind of debt, especially as the statute barred thing is getting close.

As I understand it then will this be statute barred on 30th January 2019?

I have sent the first of the old style debt collector letters to Merligen Investments and received  this response on 29th October....

"Thank you your letter of 25th October 2018 of which your comments are duly noted.

We have put in a request for your said document requirements to claims advisory group and will respond on receipt.

Please note that your account is being managed by Moriarity law Ltd and would appreciate it if you could contact them with any queries on the either of the following  (yes they actually sent that, bad English and all).

Their advisers will be able to assist you further."

Yours faithfully Merligen Investments Ltd.

Also I noted they addressed the letter to my corporate name  and put this on the left side even though my letter did otherwise. They also hav'nt sent anything recorded delivery either. Just a plain ole white envelope.

My first letter to Merligen was dated 25 October and I gave them seven days to respond which they did on 29th. I have heard nothing since.
When I do send the second one (not sure when but will see what transpires first) I will use Daveiron's updated ones as this firm has purchased my 'alleged debt' even though they call it a assignment. It states they are to be treated like the new owners. I have looked on their website and it clearly states." They are the purchasers in bulk of old un substantiated  uncollected debts". Maybe they should look into whether those 'old debt's are even legit.


Why is it no man or woman ever signs these? We know why don't we.


Once again guys any helpful insights very greatly appreciated.

Ok that is a shame

however they will likely be aware that this is very close to being statute barred which is why they are currently coming after you

you need to try and play a bit of letter tennis with them now for a couple of months or so, even if you write to them and ask them a stupidly obvious question it could buy you 2 to 3 weeks

if it gets serious then send them an official CCA request but forget to enclose the £1 statutory payment, 2 weeks later send another one apologising for your error with the the required fee, it usually takes them a few weeks to even obtain anything by then you should be home and dry for SB.

Thanks for that.

Do you think sending Merligen the debt purchasers letters would do?
I know if I contact Moriarity law then it looks as if I'm admitting said debt.
They are the ones making the claims not me.
Also as they seem to have purchased said 'debt' then doesn't this mean they have 'paid off' this so called debt?

There has also never been anything mentioned about all this on my credit report.
Merligen have stated that they have the power to look and get things put there if required (or words to that effect).
Is that yet another tactic to try to get me to comply do you think.
To be honest I don't give a fig about that as i'll NEVER have so called credit or loans EVER. my credit rating is good at the moment.
I have never had a mortgage either and thank god for that.


Thanks again................

you could send the debt purchase letters if you wanted to but the way i would handle it would be to write your own letters

forget worrying about admitting the debt ? it is irrelevant. I have not read anywhere in the statute of limitations act where it mentions acknowledgement ? 6 years from the cause of action or last payment.

refer to it as an alleged debt and yes write to moriarty law asking for a certain document, they in turn will have to pass your request on to the alleged owners eats up more days.

as a matter of interest who was the original creditor or lender ?

It wasn't for credit or lending but for a PPI claims firm.

Hi ppi is same as a phone contract is does not come under consumer credict act 1974 , however its is alot harder for them to prove in court , remember the burden of proof is on them,
if Moriiarty law wrote to you dont ignore , ask them for proof ,,,,,contract , but dont worry if they do send you a contract,
remeber most of these contracts was for no win no fee , you also want proof what the bank payed you from moriarty law , if they dont know you can say you never received any money because maybe the claim was not successful , remember they will need to proof ,
some times the bank may not give you any ppi money back because you owned the bank some money maybe on another account and the bank will keep this ppi money to clear your arrears, but the ppi company will still want there money , SO DONT SAY THIS TO THEM OR COURT
if you had ppi on more than one account you may have had signed more than one contract , for each account so if they only send you one contract , phone your bank ask them how much ppi on this account you got back , if it was £30 and the
ppi company saying you owe £1000 , , so you can see its going to be very hard for them ,

have they threaten court action

Hi
Many thanks for the response.

 When you say the Consumer credit act  1974 is not valid here, what about statute barred?
I have done some searching and know for mortgages and tax it's  12 or 15 years for the former and unlimited for the latter.

Also Merligen (who purchased said debt) I have asked for proof and sent out the first of the old style debt collector letters, as they have purchased said alleged debt.
As for Moriarity Law I have sent them nothing as Merligen asked me to contact them. Surely they would do that themselves?
Merligen have stated they will request said proof from Claims Advisory Group and inform me upon receipt. Heard nothing yet.

I also understand that you are supposed to respond within 30 days if a corporation makes a claim against you.
The two letters Merligen and CAG sent together  informed me or noticed, that this assignment was on 26th Sept 2018.
The 'notice letters' were dated 17th Oct 2018.

Merligen investments Ltd are now apparently the 'data controller' of my information and have the same rights to give to credit referencing agencies information about any personal debt I owe them. (surely a threat that if I don't comply my credit rating will be affected?)
Do I stick with Merligen or should I contact Moriarity as they have made no contact with me?
Apart from what you've stated to ask what else would be appropriate for this situation? Would the bank even still have the re payment info as it's over six years now. All CAG sent me as proof I 'owe them' were photocopied 'letters of engagement'. That was it! (No two signature contracts. Original not photocopied agreement. Affidavit of truth. Proof they had anything to do with said claim and all the contact made during said process.
Or do they have affect here? I was informed they did and was left alone.
Not what I asked for, though as I suspected. Although despite their three threats with different means. Nothing came of it, I just sent those debt letters out. NOW they have sold it on.It seems they want whatever they can get.
Would the Novation and Deed of assignment have any merit here? It seems in some cases not.


The first letter I sent Merligen was on 25th Oct 2018.They replied on 29th Oct (I gave the 7 days).

Also you state they need proof from the bank. These payments were made around June 2012 and Claims advisory contacted me via phone and stated "oh we see you have some monies back".(so much for all the hard work they put in, i was not aware of anything going on ,who with ,how much, did I want it, what their fee's would be with that amount, just we want our cut now, after leaving it for over 12 months.) This was around 21 Dec 2012.I had no contact from them in any way shape or form during alleged claim process (like their own rules state and MOJ insist on).I did investigate whether to put in a complaint to the FOS but have since found out they too are paid off by the banks and would no doubt state "you have to pay".So I decided ,right they need to PROVE they did anything. So far they hav'nt.
Also I was paying £1 per month for five alleged debts (from November 2003) until I was lured into an IVA (around July 2011).I then found out about all this fraud and cancelled the direct debits for that and it failed. Was marked as completed on my credit file for 2014(which clearly it was not). Have not received a completion certificate and the firm has changed hands from Grant Thornton to Aperture.(I also informed them I had recieved three cheques but didn't know what they were for. They told me "we need to have them and you can have 12%".I though F--CK that this is all one big con.They said "when you find out who and what they are for let us know".So much for their interest, in that and efficiency.I have heard nothing more about that situ since March 2012.Don't get me wrong I'm NOT complaining.
Even IF the bank had of kept said claim CAG would still be demanding their fee's !!! THEY are the ones at fault here. I was also informed it was particularly lucky for me to have received payment from them, considering the circumstances. Its all  one big bloody con...
They (Aperture) have asked for my permission for their in house company to do a PPI search, that's all they ever ask. I ignore them as I'm NOT signing anything else and couldn't give two figs as I now know what these 'firms' are all about. Some interesting things too about Aperture on the debt forums. Not in a good way either.
I cancelled the IVA around 12 or 13 months into it. I considered going bankrupt but decided not too. WHY should I !
My credit rating is now GOOD again but it doesn't affect me as I will never have credit cards or loans EVER and I'm glad I have no mortgage either.

I have ideas of what to do but would rather approach this in the right way and not be ripped off again. If the statute barred thing applies it will be On 30th Jan 2019.As there would be no default notice applicable like with credit agreements?
I did have one threat of going to court from CAG around 5th June 2017, but once again it was all fluff. I asked them again to provide me with PROOF which I know I'm entitled too and all I have back after their photocopied letters of engagement were threats. Oh and after their in house collectors failed they offered me a "you can pay half but it must be in one go", offer. Yeah £800 right.
I was a family carer at the time too.

I have not been threatened by these two new firms.I just want shot of them as I feel they have no right to even be getting involved here. No doubt they buy big lot's of old uncollected 'debt' up and then send letters out to see what's what. They probably don't even know if any of these are legit.

This whole thing is ridiculous and I HOPE others reading this realise why they should NEVER let those PPI claims companies have the time of day.
Roll on August 2019.........

Any info on what's the best thing to send to Merligen or Moriarity law would be appreciated.
Sorry about the long post.


cheers again....................

statute barred is 6 years after cause of action, that in a nutshell is it.

your debt is not as far as i can tell  covered by the CCA act.

if you have never paid anything at all against this alleged debt with the PPI company then it may be a good idea to try and find out on what date they allege any money became due.

i would also request from the DCA details of:

i) what this debt is actually for and what it relates to
ii) a statement of account of how any sums believed to be owing became due

2 simple questions they will likely struggle to answer

Hi paymydues2

remember they are sending out thousands of letters to people if you hold your nerve they may back down,
when the bank sent out the money it came to you not to the ppi company
so if they have no proof what the bank sent you ,, how can they win in court , so if it went to court and they say here is your contract you with your signature ,you say so what, it was a no win no fee i want them to show me what payment i got ,
so the main thing you need to know from them is what proof they have of what the bank sent you ,

they may never tell you .
However you need to ask them for proof they have on what monies you received and state if they send you a court claim , you will say i will fill it in within 14 days and apply for a unless n244 and force you to send me information , you have ask for , , if the solicitors are involved they could send a court order at any time even without proof show them you will fight , remember they know 90% of people dont turn up to court and win by default

Hi

Many thanks for that.

Unfortunately WHEN I was contacted via phone around 21st December 2012 and was informed about two invoices coming my way for a total of £1600, as I'd received some monies, i wasn't aware of what I now know. I agreed to a £10 payment via debit card and was informed "you will need to pay more and agree to a payment plan next month".
That was the last time I had any phone conversation with them or paid any monies to them.
I then decided I want proof of what they did as, things as they stand would point to the fact you did virtually nothing as you weren't aware of anything that was going on, and only found out a refund was given about 11 months later.
Merligen, according to there letter are a data controller,which they say are responsible for deciding how we hold and use your personal data (is that allowed?)I am now apparently a 'customer' of Merligen!!!

I was listening to a few 'No win no fee videos' on Youtube today and it's interesting these contracts/agreements are usually with lawyers, so how do PPI claims management companies stand as they are clearly not run by lawyers. Or maybe the odd few are and genuine, keeping you in the loop the whole time, but these were clearly just sending out spec letters. Surely fraud in it's nature.
Oh and also I was pestered continuously (as I'm sure many were) via phone and gave in as I was sure I didn't have any. They also told me '"we have more chance of success for you" and we know that's not permitted.

Does this 'debt purchaser' have any more standing here. Now they've assigned this to them. I have looked and they purchase lot's of old uncollected  debt.
Should the focus be on them Or Moriarity law ,(who are apparently dealing with 'my case').

I wouldn't be as concerned but it seems not many have found themselves in this position with these PPI companies.
The letters for CAG worked and they just threatened.

Will these debt purchasers have any better chance?

Also in the Data Privacy Notice -Fair processing ..Sent with the two notices of sale or transfer it states.....

When you entered into an agreement with Claims Advisory Group ,you provided your personal information to them, so they could process your application. The information you provided would have included your name, address, date of birth, credit information so checks could be conducted, bank account details and any other information that was required by them to maintain and process your debt to them (this may have included information from credit reference agencies).You would have provided this information to Claims Advisory Group, so you could enter into a contract with them. The information may have been updated and/or amended through subsequent contact whilst the debt has remained due.
When your debt with Claims Advisory Group was acquired by Merligen, this information was forwarded to us. This included details of your debt,payments  made and outstanding sum due.

So are Merligen a credit reference agency then, as that's what this sounds like and there has never been any reference to this 'debt' on any of my credit reports? Who is us?
It also states that.... when in receipt of this letter ,any third party advising me (no doubt they've seen my replies), should contact Moriarity law.They can review my circumstances and agree an affordable repayment amount. The process can be dealt with quickly over the telephone. That was from the letter dated 17th October.



Cheers.....................

Hi i would think moriarity law will be dealing with this now,
ok you was pressured to use them by the none stop phone calls and you was pressured into a payment plan after phone calls telling you about a invoiced £1600 and you felt you had to pay , however now you want proof the bank sent you this money , if the bank did tell them , did the bank send you the money ,
it was not about what the bank may have owned you it was how much the bank give you , this what they have to prove,
the banks normally keeps information for about 6 years , you can phone your bank and tell them not to give any more information to these people ; at any time,
you have less rights with ppi because it dont come under the consumer act 1974 however they cant just ask you for money without proof and if it went to court , the court will still need to see the contract also proof of any payment you received to you, the contract was for no win no fee they cant take 33% of nothing you can argue but you need to find out what if any paper work they have you can also phone your bank and ask how much ppi they pay you , if they say they have no more information its been over six years ask them to write you a letter saying this , you can tell the court if needed you did not received any monies or any you did , and say its been over six years and the bank as no more information on this now , and show letter from the bank,

just my opinion here

but my god are we complicating a simple issue, i posted a few posts back ask whoever is chasing you the 2 simple questions to begin with.

for clarification purposes, they will likely not have the paperwork to answer the questions ie (the invoices, statement of account)they will have to go back to CAG to try and obtain them then send them on to you
possibly 4 weeks gone. Then take it from there.

Hi paymydues,

Dont over think this, contact them ,You require the documentation to support their proof of claim.
Thats it ,wait and see what they can supply.Remember this shower buy what others cannot collect,
they probably paid next to nothing for these alleged debts in the hope they can scare the odd one or two
into paying .

Are we complicating a simple issue , This is not a simple issue it never is,,,,,,,
yes you want paper work , they may not have it , so yes you still need to contact them you want their proof however they may not give you the paper full stop , do you think they will play fair , they want your money , it gone from the dca to moriarty law solicitors ,they use , next i would think court claim next to scare you or they may just walk away we just dont know,

1/ no one told you on here about it does not come under the consumer act ,

2/ The more information you get the better ,

3/ The 3 letters are great , always use for dca,s

4/ solicitors they on commission they want your money it is no longer simple get all the information you can you need to be told at this stage they may try the court route and not wait for any paper work from the original creditor, especially if there is no paper work

5, if it was simple why have you not got paper work
already

6/ i would also say send of your letters and wait to see what they may supply if it was just the dca , but its with the solicitor start and think of the next stage , but up to you ,

7, you went on youtube to find more information that was very good

8/ the letters do work always use them but some times they try it on , so learn ,

simple , wish it was

Actually Contract law prevails here and while this may be of no use to the OP in this case, it would be worth bearing in mind by others for future use.

You can enter a contract in two ways; one is by true and informed consent by signing a contract with them, or "by action" which basically means they tell them to something and you do it, this is a form of implied consent.

This is a classic example of how they get you to censent "by action"

When you entered into an agreement with Claims Advisory Group

They say it themselves, you entered an agreement with Claims Advisory Group! you didn't enter into a contract with them.

I agreed to a £10 payment via debit card and was informed "you will need to pay more and agree to a payment plan next month".

Bosch, they have you in a contract by complying with their demand or "by action" and as you have entered a contract you have agreed to a payment plan and they will have a record of this, so be aware of what they are doing and how they are doing it.