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Marlin Financial Services Ltd Debt Recovery – Must You Pay?

Marlin Capital Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Have you been contacted by Marlin Financial Services Debt Collectors about an outstanding debt you have?

Are you struggling to meet the payment commitments? Perhaps you don’t believe you owe this money in the first place? Are you concerned about the impending court action they are threatening you with?

If these concerns sound familiar or you have other issues with Marlin Financial Services Debt Collectors and are not sure what to do, this article will give you more information.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Marlin Financial Services Ltd Debt Recovery and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Who are Marlin Financial Services?

Marlin Financial Services are part of Cabot Financial, a Kent-based group that purchases debt portfolios. Cabot Financial was established in 1998 and is authorised and regulated by the Financial Conduct Authority.

They are are also members of the Credit Services Association and follow their Code of Practice. In addition, they are a registered firm with the Lending Standards Board and comply with their Standards of Lending Practice.

Marlin Financial Group Limited operate from Marlin House, West Sussex. Sarah Whitetley, Jonathan Morris and George Usher are the current company directors. Marlin Financial Group Limited were incorporated in March 2010.

Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP

Registration Number:

0344 556 0263

[email protected]

Website Address:

Marlin Financial Services may also be known as:
Marlin Financial Services Limited
Marlin Financial Services Ltd
Marlin Financial Services Group
Marlin Financial Services Bailiffs
Marlin Financial Services Debt Collectors
Marlin Financial Services Debt Collection
Marlin Financial Services Agency
Cabot Financial (Europe) Limited

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Why have you received a call from Marlin Financial Services Debt Collectors?

There are thousands of people who are dealing with debt problems, and as a result, the debt collection is massive. There are many different types of debt collectors out there, including independent businesses and those who work with the original creditor, as a business arm.

You may even come across sole traders who are operating as debt collectors. If you have been contacted by Marlin Financial Services Debt Collectors, you should definitely speak to them and try and resolve the situation.

The way companies like Marlin Financial Services Debt Collectors operate is the same, regardless of the terms in which they work under. The original creditor (the company you have the debt with) will sell the debt to the debt collection agency for a small fraction of the face value.

For instance, if the value of the debt is £1,000, they may sell it for only £200. The reason they do this is that they are having no luck in getting the money from you, so they pass it onto a dedicated debt collector and this means they make a bit of money and get rid of the debt.

You will find that debt collectors are not particularly concerned about how you feel and your individual situation. They just want you to pay up, and the quicker the better!

Find out more about the debt

The first thing you need to do when approached by Marlin Financial Services Debt Collectors about the outstanding debt is to make sure you actually owe this money.

It could be the case that you are being contacted about debt you have already paid, or it may belong to someone with the same name, and you are being contacted in error.

You can write to Marlin Financial Services Debt Collectors and request that they send you a copy of the original credit agreement.

If they do not provide this, you will not be under any obligation to pay the debt back. You should not pay debt unless you are sure it is yours.

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Should you pay, if you can?

If you can pay the debt, then we would suggest you do. It will take the stress off you, and you will not have to worry about dealing with Marlin Financial Services Debt Collectors ever again!

You should only pay this debt if you are able though. There is no point in paying the debt if it means you won’t be able to take care of your other bills. In this case, you should devise a suitable repayment plan with Marlin Financial Services Debt Collectors, or offer to pay a partial repayment to clear the debt. Speak to a free debt charity for help.

UK Personal Debt 2021 Update:
Citizens Advice Bureaux in England and Wales dealt with 1,735 debt issues every day in the year to May 2021.

(Source: The Money Charity)

Debt collectors and how they affect your life

Debt collectors are known for using harsh tactics to get you to repay the debt. They may keep calling you throughout the day, threaten you or even bully you into making repayments. In some cases, they will even call your workplace and make threats.

If you have been contacted by Marlin Financial Services Debt Collectors and they are trying to pressure you into paying the debt, it may cause you to feel upset, distressed and even suicidal.

The debt support trust stated that as many as 50% of those debtors who face debt problems, will end up contemplating suicide. Debtors have been known to feel humiliated about their situation and even disconnected.

These feelings lead to a decline in mental health, which can, of course, cause major issues with mental health. The situation became so bad that the government were asked to step in and deal with this escalating problem. They took action and this has made a major difference to the situation.

Marlin Financial Services Debt Collectors and what the law tells us

The Office for Fair Trading (OFT, 2012) put a set of guidelines in place for the debt collection industry, and these are some of the main points that Marlin Financial Services Debt Collectors must adhere to:

  • They are responsible for treating debtors fairly and without using any aggressive or improper behaviour
  • Ensure transparency at all times and clear, concise and relevant information
  • Show empathy and consideration to those who are suffering from debt problems
  • Take the debtor’s circumstances into account, when determining suitable action to take

If Marlin Financial Services Debt Collectors are contacting you and they are failing to adhere to these regulations, you would have the right to report them to the OFT. In some cases, the OFT will decide to remove their license, if it is deemed necessary.

It is sometimes difficult to believe the lengths that debt collectors will go to, to get you to pay up. In some cases, they may say that they are operating as an external agency when this is not the case. As stated above, this is against the legislation, as it is a form of deceit.

What you need to know about Marlin Financial Services Debt Collectors

Why do Marlin Financial Services Debt Collectors operate in this way? If you understand this, you will be in a much better position to handle the situation.

The agents have targets

The agents at Marlin Financial Services Debt Collectors are contacting a number of people every day, and there are certain expectations placed on them, as you would expect.

They will have targets based on the amount of money they are able to collect, either on a daily, weekly or monthly basis. As with any targeted job, they will need to be able to justify themselves, if they fail to meet the targets.

Not only this, but they will put their bonuses at risk if they do not collect the required payments.

It is important to understand that most of the threats made by Marlin Financial Services Debt Collectors are empty, and as such, you should stand up to them.

You may even be able to turn the situation around on them, as they won’t expect you to know that what they say may be incorrect! Of course, you should pay the debt, but you shouldn’t be forced into paying when you can’t afford it.

They lose money if you don’t pay

The reason debt collectors like Marlin Financial Services Debt Collectors are so persistent is that they have already purchased the debt. Therefore, if they don’t collect payments, they are losing money.

This is why they may keep calling you over and over, as if you answer the call, there is much more chance of them getting the payment.

If they are phoning you excessively, you should record the calls, and the times. This would be a breach of the OFT guidelines and you would be within your rights to report them. You can inform the agent about your plans to report them to the Financial Ombudsman.

How the agents can change

If you have never dealt with debt collectors before, you are probably completely unaware of the tactics they sometimes use. They may start the call by being polite and friendly. They may offer everything possible to help you.

However, as soon as they discover you are not able to make any payments on that day, they may become quite abusive towards you. This abuse can be as seemingly ‘subtle’, as a high volume of phone calls, but it can become sinister.

They may threaten you or even downright abuse you! The plan is to wear you down so that you will make the payment. You should not just put up with this though, you are not there to take abuse, regardless of your financial situation.

Have they spoken to third parties?

If Marlin Financial Services Debt Collectors are unable to get hold of you to discuss the debt, they may just speak to anyone else who happens to answer the call.

This is not so bad if it is a partner or family member (although bad enough!) It is even worse if they speak to someone at your workplace. Speaking to anyone else, other than you, about your debt is against the OFT guidelines and privacy laws.

This kind of behaviour should definitely be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Dealing with the lies

Unfortunately, there are debt collectors who will tell lies to try and get payment from you. They may say that they are calling you from the court, or that they have plans to come to your home and remove some of your goods. This kind of behaviour is against the regulations, and you can report them if they have resorted to this.

Do not allow them to visit your property. If they do this, you should not give them access to your home. If you feel that you are under any kind of threat, you should always contact the police. You do not need to put up with this behaviour.

How they can wear you down

The behaviour of debt collectors can be relentless, and some, such as Marlin Financial Services Debt Collectors, can be responsible for making people feel physically and mentally ill!

In some cases, even suicidal. It is not easy to stick up for yourself when this behaviour is going on, but this is the only way you will be able to deal with it in a positive way. Of course, you need to take care of debt, but you don’t need to deal with threatening or generally rude behaviour.

If you are facing issues like this from Marlin Financial Services Debt Collectors, you can devise a suitable plan which will help you get out of debt as quickly as possible.

How to deal with your debt

If you have debt problems, there is help out there. The choices are the not-for-profit organisations, which provide help for free, and alternatively, there are commercial debt management companies.

You should always opt for the free services first, and if you don’t have any success with this, you can then turn to the commercial companies. These are some of the agencies you may want to consider using:

  • Citizens Advice Bureau (CAB) – is an organisation that provides you with free help and support in getting out of debt. They have professional, highly skilled advisors who will also be able to assist with any other issues you are dealing with.
  • Christians Against Poverty (CAP) can provide you with help and support in taking care of your debt, completely free of charge.
  • StepChange free online debt advice when you need it

Did you know you can write off your debt?

You may be able to write off some of your debt, by entering into an Individual Voluntary Arrangement (IVA). An IVA is a formal agreement you reach with the debt collectors to pay a specific amount to the whole debt each month. Any outstanding debt would usually be written off within five years. The IVA process would require an insolvency practitioner.

The other option to consider is a Debt Relief Order (DRO). You would only be eligible for this if you only have £75 or less to live off each month, after you have taken care of your household bills. Additionally, you must not have assets which amount to more than £2,000.

The Final Word

Although the government have stepped in to try and deal with the situation, and put more regulations in place for debt collection agencies, there are still problems with the behaviour of debt collectors.

In some cases, debtors have been left feeling upset, distressed and even depressed about their situation and the abusive contact they are receiving from debt collectors. You need to repay your debt, but this should be done in a careful, considered way.

There are options available to you. The best option is to clear the full debt as quickly as possible, but alternatively, there is the option of setting up a suitable repayment plan.

You may be able to stop the bullying and abusive behaviour by reporting Marlin Financial Services Debt Collectors to the Financial Ombudsman. They could lose their license as a result.


Could I just ignore debt collectors?
You could just choose to ignore Marlin Financial Services Debt Collectors, but if you do this, they may end up sending doorstep collectors to your home. They could also go as far as to apply for a County Court Judgement, and if this is successful, you would be forced to pay and it would end up on your credit report.
Will Marlin Financial Services end up taking you to court?
Marlin Financial Services Debt Collectors would be able to take you to court regarding the debt. If they decide to do this, you will be sent a CCJ (County Court Judgement) letter.
Can you be sent to jail for the debt you owe?
You will not be sent to jail as a result of any debt you owe.
What happens if you don’t respond to a CCJ?
You should not ignore a CCJ. If you do this, bailiffs could end up at your door to try and recover some items to cover the cost of the debt. It is better to just respond to the CCJ.
Can Marlin Financial Services send you a warrant?
Marlin Financial Services Debt Collectors do not have the right to issue you with a warrant, and they cannot get you sent to prison. The most they can do is request a CCJ. If this is successful, they would be able to send bailiffs to your property.
Could you describe Marlin Financial Services as bailiffs?
Marlin Financial Services Debt Collectors are not bailiffs. They have the right to request a CCJ though, which could result in bailiffs being sent to your property. If this is going to happen, you would receive warning letters to advise you of this.
Can Marlin Financial Services turn up at your house?
They may turn up at your house, but they don’t have legal powers, which means you can just ignore them, or request that they leave. If you are sent a County Court Judgement, you may end up with bailiffs at your door as a court instruction.
Will Marlin Financial Services be able to force entry?
Marlin Financial Services Debt Collectors cannot force entry into your property, as they don’t have any legal powers to do this. If you have ended up with a CCJ though, they may instruct bailiffs to go to your home.
Will Marlin Financial Services give up?
There is one thing you can guarantee, and that is that Marlin Financial Services Debt Collectors will not give up! They will keep chasing you until there are no options left. You could be chased for 6 years about the debt!
Does the debt have an expiry?
The debt can end up being too old for the debt collectors to collect. The Limitation Act 1980 states that there is a maximum of 6 years permitted to chase the debt. The 6 years starts from the last payment you made or when you last spoke to the creditor or debt collection agency about the debt.
How long can you legally be chased for debt?
You can legally be chased about the debt for 6 years. This is according to the Limitation Act 1980. If you have been chased for longer than this, the debt collection company would be breaking this legislation and as such, you would be able to make a complaint.
Will my debt be written off?
It will be written off after the 6 years time period, or if you enter into an IVA, there may be the option to write off some of the debt. If the debt collection company raise a CCJ, the Limitation Act does not apply, and they can chase you for as long as they desire.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring