Hi All, I'm hoping someone will be able to have a look at the following documents and give me some good news I am a bit concerned about the paragraph above my signature and also the fact that the Financial & Related Conditions are on the reverse of the page. Thanks for any advice David

Thanks for the reply Tracey. I will have a read of your thread. It seems that Marbles are very popular at the moment Will let you know what happens. Dave

Thanks Ragtaggeorge for the info. I finally recevied the paperwork from HFC and it seems to be an application form with accompanying letter, almost exactly the same as: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/172734-hfc-agreement-enforcable.html?highlight=marbles apart from the fact that my copy is almost unreadable. I think I need to go into offical dispute with HFC now before the account is passed over to Aviemore in February. I am thinking of using this template: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/45691-letter-templates-creditors.html from 42man. I would be grateful if anybody knows whether there is a minimum or maximum account balance because I seem to remember reading somewhere that it had to be between £5000-£10,000 although I can't see why it should make a difference but would like to be certain. Thanks Plutoblue

Thanks for the quick reply. Sorry I haven't replied sooner but I've been ripping my house apart trying to find the credit card agreement. I made a slight error in my first post and I have actually had this card since about 1998. I have today requested my credit card agreement from Marbles so I await their response. I will let you know the outcome of this request. Plutoblue

Hello to All, I am looking for advice on challenging Marbles card regarding a credit card agreement signed in 2005. I am struggling to pay this card (and others) and the fact that interest has gone up from 15% to 32% does not help. I believe I can challenge the actual agreement that was signed in 2005 so that I can have the interest frozen but I think I will have to be quick as Marbles has sold this dept on to another company who are due to take over in February. Any help will be gratefully received. David