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can i claim from a 'written off' account that is still showing
Hi,
I had a Marbles card which had a balance of £2000 with HFC.
They offered me a 30% settlement of £600, which i could not afford at that time. They then offered me a £600 interest free 'loan', where i never received any payment but which i pay at £5 pm.
A few months ago i had to call them for this loan account and they said you have £1400 on your Marbles card. I told them that account should not exist as it was written off when you gave me the loan i am now paying.
At the time of the settlement, i did not receive any letter from them stating that the Marbles card account had been written off or that the default has been removed. I assumed it would all be done as they are offering me a new loan to pay it off.
I also have had a few £15 penalty charges on the loan as i got the due date wrong at the beginning.
What can i do about this as i am now suspecting the Marbles account was never written off and i am paying them £5 pm for nothing.
I would also like to claim charges on the Marbles card and if it has really been written off can i still do this?
Re: can i claim from a 'written off' account that is still showing
Seems to me that you need to send them a Subject access request to obtain information about your account.
I would use the template from the library but modify it to specify that you wan specific information relating to the loan, what happened to the marbles account.
Depending on what turns up you might then consider what action to take.
IF you haven't got a thread in the relevant bank forum it might be a good idea to start one so people can follow your claim.
HTH
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
can i claim from a 'written off' account that is still showing
free 'loan', where i never received any payment but which i pay at £5 pm.
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