Thread: Is this the right place for my thread?

Not sure if this is a better place as i have not had any responce yet (and could really do with one,

http://www.consumeractiongroup.co.uk...t-marbles.html

So could someone please help

Van

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Is the thread in relation to a credit card?

Yes a Marbles CC that my wife has/had

Have you sent of a CCA request for this yet and or a SAR for all the statements, I see you say that you have worked out the charges and applied to have them re-paid back, what steps exactly have you done.

also could a mod please merge these threads and move it to the debt collection forum

Thanks

I have not sent of the CCA as of yet, the SAR has been done and i have complete statemnts from begining to current (we are slowly paying of the balance).

I have then worked out the 8% interest (as shown on Martin Lewis website), and have sent of 2 letters to Marbles so far, we have had one responce with them saying that they dont except the OFT report and that they will not refund anything, I responded with a lba, and gave them 14 more days to reconsider.

the current step that i am at is preparing the court papers (as i figure it will be required to go that far).

So that is where i am at, i was looking for some POC to put in the court papers

Van

Category:Legal Information - Consumer Wiki

Have a read around here

I can find the POCs for a variety of credit cards, do i just use one of them and edit it with Marbles details.

Van

I have had the second responce from Marbles stating that the OFT is pants and that they dont except it......

....however they will refund £180 as a goodwill gesture (about half the charges and none of the interest). obviously i am going to take that as much as i will sprout wings and fly there.

But is the next step straight to court or is it best to reply with will take as part payment but you have 14 days to give the balance?

thanks

Van

Have a look at the letters here http://www.consumeractiongroup.co.uk...ng-offers.html

Well letter is prepared and bar the signing from my good lady wife it will soon be gone.

However i am still having trouble finding the POC i need for Marbles in specific, if i cant find it chat can i use instead.

thanks

Van

Actually just thought of something else, when i looked through the paperwork that we had, my wife was also served a Default Notice a couple of years ago (during a bad financial patch), would i ask that this be removed seperately (as we owed them around £1,080 at the most, and they owe us around £359 in charges), or in the context of demanding the money back?

Van

Great so i sent them on friday a No thank you, give me back the money in full or we go to court. It would be nice to not have to go to court as it saves time and money.

Btw will they pay the interest as well or just the charges? (as interest would be nice but i can live with just the £300 odd back thieving oiks

Originally Posted by Vanderpelt

Great so i sent them on friday a No thank you, give me back the money in full or we go to court. It would be nice to not have to go to court as it saves time and money.

Btw will they pay the interest as well or just the charges? (as interest would be nice but i can live with just the £300 odd back thieving oiks

Ask, and you shall receive

Well it arrived last Friday (17th Oct) and i should expect a responce by next Friday (24th Oct) so we shall indeed see. :P

Van

No response so far so will wait till pay day towards the end of the week and start court proceedings.

shame really as i could do with out the hassle.

Van

Originally Posted by Vanderpelt

Actually just thought of something else, when i looked through the paperwork that we had, my wife was also served a Default Notice a couple of years ago (during a bad financial patch), would i ask that this be removed seperately (as we owed them around £1,080 at the most, and they owe us around £359 in charges), or in the context of demanding the money back?

Van

Hello Van As defaults are notoriously difficult to remove in isolation, in the past I have succeeded in having them removed by including them with a request for return of credit card charges (specifically with Barclays and Natwest). You should include a statement requesting the removal of the default notice and all adverse marker data from the credit record in your correspondence ...

Originally Posted by Vanderpelt

No response so far so will wait till pay day towards the end of the week and start court proceedings.

shame really as i could do with out the hassle.

Van

Van you can include the above request in your POC ...

PB

You darling ! you might be able to help, as i have been trying to find some POCS for marbles Card for a while but i have been unable to, do you know where i could find some?

Van

Well it seems from the information i got from my wife in her excited telephone call we have one.

the only issue is the DN, do i deal with that seperately? or try to get it included in this

Van

Van, like I said in my post #17, include the request for "removal of Default Notice and all adverse data markers" in your POC for request for return of charges ...