Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Currently challenging Marbles on the enforceability of their agreement, but struggling to get a copy of the original. I received the usual recent T&C’s and have advised them after three letters I'll go down the 31.16 route. Prior to this, I want show the court I’m being very reasonable, and so now have the option of a SAR, with a specific request for the original agreement.
Here’s my dilemma, in their most recent letter, they advised the account number I was communicating to them was incorrect, and they indicated a different one. My number is 100% correct, but their number may also be correct, as I was due a replacement card due to expiry. So a few questions of interest:
Why are they not able to make the connection between the two?
What benefit is there to me, if any, in allowing them to continue referring to a different account number?
Sounds like they are just stalling.. Creditors use lots of tactics to put you off. If you are sure of the original account number then SAR them and send it recorded delivery.
-Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -
HFC Bank - Davey vs HFC
Barclays - Monthly payments made
Cahoot - Agreement received, awaiting 2nd agreement after DCA.
MBNA1&2 - Agreements received. (Currently in limbo)
Halifax - Davey vs Halifax/Cabot
MINT - Davey vs Mint
Amex - Davey vs Amex Cap1 **WON** £1,500 Written Off Davey vs Cap1
When the Marbles brand was sold to Aviemore Funding (part of HBOS) they sent letters to everyone saying that new cards with new numbers would be issued. I suspect they may be going by the new number rather than the old one. There should be some sort of cross-reference, though
yeh, thanks uptoneck. I suspected something like that. Strange they seem unable to connect the old account details to the new however, that's why I was pondering if there was any benefit to me. Anyway, I'm still awaiting their response to my SAR.
Marbles CCA Dilemma?
, with a specific request for the original agreement.
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-Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -
