Thread: willtheywontthey vs HFC / Marbles

About a year ago I stopped paying HFC - well they had defaulted me and refused to remove the default.

I got a general default stating something along the lines of if I don;t pay on time in future we will default you. There were one or two earlier ones which I paid as I recall. I did try to get them to reply to my query 'why exactly did you default me' but received no reply.

I have SAR'd them many many months ago and am about to do again to get it all up-to-date.

I have an fos complaint ongoing (haven't we all) about them retaliating to each action I took and to their so-called default.

I will get organised soon and post the details with scans on here but for now some more background general information.

I received a phone call seemingly from Robinson Way. I searched and found email addresses and sent an initial 'go away' letter to RW. I am now SAR'ing them as they have annoyed me and I want to see details fo dates or to see if they did any tracing. I have also contacted OFT to report them for contating me without any assignment of any sorts from anybody.

So neither have HFC / Marbles written to me to say RW are going to pursue this debt etc. I guess I need to report them to OFT as well then?

I will now also update FOS on latest situation. more paperwork but I'm getting more organised although I do wonder why Marbles has come alive again? Must be FOS or ICO complaint getting close and this is latest retaliation?

Be interested in any fellow Marbles sufferers have similar experiences? I believe my 'application form' was from 1999?

Hi wtwt

I only knew about this site end of last year, so when I did my CCA request to HFC Bank, in January 2009 I also got copy of my 'priority Application Form'. This is dated 2002,

In July 2008 HFC had sold/assigned my c/c debt to CL Finance and I'm in process of sending them (CL Finance) a ltr about Marbles not supplying a CCA but an application form.

Interesting though about Marbles - I'll be subbing!
xx

Well after ignoring my letters of complaint with replies that they were putting the 'collection' of the debt on hold I get a letter from them today saying they've passed it back to 'Marbles' with their reasons why. Not bothering to tell me why but say it's in response to my 'recent' (!!!) 'query'.. (!!!!!)

Now that's RW out of the way I'm now going to seek revenge on them for non-compliance with SAR (not all included) and their pathetic response to their so-called complaints procedure. Now re we allowed to ask OFT to 'log' each complaint or not - are they precise in what we are able to ask them to 'log'? I know OFT do not actively get involved in individual complaints but track patterns - am still confused about what they I should refer to the OFT and what to the fos (who are not very effective to put it politely).

Well I guess I will just wait until the next installment.....

hi I note your post with interest i too have ongoing issues with marbles payment plan requested with them and set up to pay £12.50 pm half my contracted payment orig credit limit £800 meeting dec 04 with ccs worked out amount owed marbles was £1147 which included unfair charges letter in march o5 stated arreres of £439 this obvious overlimit charges etc grand total £1239 have paid £12.50 by standing order without fail for some reason had over 12 months no statments despite repeated phone calls requesting them whilst owned by hfc then got statment out of blue 2008 showing owed more than i did orig then had one statment showing 71.00 aprox refunds still not right BOS took over marbles card jan spoke many times to attempt to sort out they admited i might not even owe them anything but no help forth coming they asked me to stop standing order by letter as was going to hfc account and cost them to transfer to correct account this was stoped so june 09 payment late phone call early july asking for payment paid stated £12.50 by phone shows up on online banking guess what they lost it then spoke again investigating loss taken off payment plan as no new financial statment sent however payment plan frozzen intrest for life of balance contact fos early argust now waiting for marbles to send answer to investigation phoned last friday in respect augusts payment explain contact fos account now on hold indefinatly what do i do now