Thread: Billyboy v Marbles CC (Now Beneficial Finance)

Well a quick update folks, they have received the SAR and there response has been posted yesterday, although I've not received it yet - hopefully it will turn up in tomorrow's post! What's the bets they offer me a full refund, I'm not holding my breath, ha ha...

HFC have decided not to uphold my complaint. They have advised that the AC was opened in 2000 and that the PPI was sold on a non advised basisand that the PPI was applied when the account was initially opened. their letter claims to enclose a copy of the original agreement where my signature confirms my agreement to the cover. The letter goes onto explain that following my agreement to the cover they sent me a welcome pack, which included a ppi policy leaflet which invites the reader to read the informatin contained within it, so as t ensure that the policy was appropriate. They advise that the policy document explains benefits, exclusions and limitations in plain language and that their was a 30 day cooling off period. They advise that they complied with ABI code of practice.

Well, they didn't supply the copy contract document and they have ent me SAR form and reqweusted cheque for £10.00 and a copy of my passport. My original letter gave them permission to debit my A/C by £10.00 for the fee.

Any ideas?

SAR sent 10.07.09

Not sure why I'm so nervous, back in 2007 I recovered all my bank charges from HSBC and IF.com and credit card charges from Marbles, all with compounded contractual interest.

bring it on!!!

Well, they didn't supply the copy contract document and they have ent me Subject access request form and reqweusted cheque for £10.00 and a copy of my passport. My original letter gave them permission to debit my A/C by £10.00 for the fee.

As you state in post 1 you have sent SAR presumably you sent the £10.00 statutory fee with this? If not you should send the payment by either a postal order (best option) or cheque. you should not send your passport but they are probably looking for confirmation of your identity, before they will release any data.

aa

no i have not sent a cheque or postal order, I have told them to debit my credit card account in the sum of £10.00.

they have asked for a copy of my passport, rather than my pasport, are they entitlled to request such proof, given that it is my a/c and I 'm asking them to send info to my address?

Well I took the SAR form (and cheque, decided would be quickest route and no argument about deducting from my A/C) to the post office and put the address they advised me to send it to on the envelope. Went to send it recorded and was advised that the postcode was wrong!! Copied straight from their SAR Form!!!

Anyway the kind lady behind the counter was able to check what the correct postcode and address was and amended the letter for me. Call me cynical but I'm not sure it was a genuine error on their behalf, particularly as they already claim to have forwarded me a copy of the contract and a leaflet re the fos, which of course they forgot to include in the letter!!!!

the fos adjuicator has now confirmed that they are upholding my complaint but marbles have contested it. Therfore FOS have referred it to the ombudsman for a final decision. Any ideas how long this normally takes?