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Found 23 results

  1. I have today received a claim from Northampton issued by Cabot in respect of a Marbles credit card which fell into arrears some months ago. Without boring everyone with my life story and the reason I am in financial turmoil but I got into the payday lending trap last year, struggling to find work and wasnt able to pay my credit cards and so earlier this year stopped paying. I did write a letter but never had a reply just started getting DC letters which I ignored and now they have issued a claim. I am shocked to be honest at how quick Marbles assigned the debt to Cabot.
  2. I asked Marbles to close my account, because the interest rate was going to be increased. They agreed to "close" which means let me repay at the old APR rate, not allow new transactions. The rules say I'm allowed to do this, and I can repay, at the old rate within a "reasonable time" Then I called up, few months later, saying lost employment, need to freeze interest completely, went thru income/expenditure and had it frozen. They agreed to reduce the monthly payments for 6 to 12 months. I kept up with the reduced payments, as agreed, and now they've sent a default notice. It's
  3. Hi there I have an account with Marbles / Newday. the credit limit is £600. I'm self employed and had a period of ill health, in hospital over that time things ran away from me a bit. I got out last week and started to tackle the huge pile of letters, charges etc. over the period Oct to January I missed on average 3 payments with several providers. Over the last week I have made payments to all of them to cover all charges and get me a good chunk under the credit limit on those that it had pushed me over. With marbles the latest statement 14th Feb showed:
  4. Finally ditched my Vanquis card. Been with them for three years with a 3 k credit limit. Even though never missed a payment they would not reduce the APR. Wait for it, 59.9% APR. Anyway got a Marbles card this morning, 33% APR. Only £300 credit limit to begin with but not worried. That will increase quite quick like Vanquis no doubt Anyway, what are peoples views on Marbles as a credit card provider?
  5. Does anyone happen to have a contact email for Aqua and marbles? Im aware its the same company but i cant find one? A colleague of mine had to take some time off work due to various personal issues. He's now back in work, but is behing with other more important bills and wants to arrange a reduction in payments, a payment break or even better stopping interest for a couple months. He refuses to deal with them by phone, as for the last 2 weeks, marbles has been attempting to contact him 8-9 times per day, going by his call log. Anyone able to shed some light on the elusive email
  6. This is possibly a bit of a pig's ear. .. however I'll cover the gist and then pop the rest of the info too: Got a letter from Restons in 2014 saying they were going to take me to court for money owed, they were very difficult to deal with and lost every email I sent them. After a bit of to-ing and fro-ing to avoid court I agreed to a consent order, I now pay them a sum each month. I'm now wondering if they have the right to do so. Can I still fire off a CCA request and will I have to go to court to amend the order? I also note the SB time is approaching, is that
  7. Morning All , hope someone can advise me as im totally bamboozeld. I recevied a letter today from 1ST credit who have been assigned by HFC bank to claim a full outstanding balance from me. How do i find out who are the original creditors?? , i think its was a sainsburys loan that i took out in 2002 that was passed on to HFC bank to chase. I checked my expeiran credit rating this morning and there was nothing on there from HFC ( or indeed no mention of the couple of creditors( aktiv and connaught) i have agreements with by paying back an agreed monthly plan.) My score
  8. 28th April 2015.. Hi there, I’m pursuing a PPI claim with HFC/Marbles, and have a couple of questions before I submit complaint.......brief case story so far: Marbles Card active between 11.06.03 and 05.09.06 (then dormant until closed Aug 2009) I have received SAR data and have calculated monthly PPI’s plus 8% simple interest on each payment (using your very helpful spreadsheet)... £258 PPI + £214@8% I do have some original paperwork/statements, including welcome letter that has TOCs on the reverse, but no original credit agreement. Primary reasons for mi
  9. In June 2002 I applied for and duly received a marbles c/c, then issued by HFC Bank Limited. Attached is a redacted copy of the agreement which I received following an SAR to HBOS, the now owners of marbles. As far as I'm aware the agreement was a single sheet, as here, although it's possible there might have been a separately enclosed sheet or there might have been some information on the reverse of this sheet. However, I'm pretty certain that I signed only on the face, in the box just above the HFC rep's signature, bottom right, and neither initialed nor sign
  10. Hi everyone can anyone advise me of my next steps with this problem please, here goes, In 2007 I had a marbles credit card (£250) with a hp purchase from currys think it was one of their pushy things when you took out a hp purchase? in 2008 I had a dispute with Marbles (original creditor) over some late payment charges and stopped my payments (last payment made 2nd Jan 2009) This was then passed to several dca's and a few weeks ago I had a letter fro Marlin Financal saying they were acting for Cabot Financial (current creditor) and were going to i
  11. Hi All I also have a ccbc claim form sent to me dated 22/7/2014. The money claimed is almost the same amount, restons are the solicitors and cabot the claimant. I sent cca request to cabot by recorded delivery on the 5/8/2014 and got a reply from the dated 11/8/2014 thanking me for my request but would have to sent it to marbles and want 40 days to do so. My cpr request to prestons was declined because i did not sign it. I have to file my defence to this claim and need advice on the defence. Could i use the same as posted with a few tweeks
  12. Well no success for me, I had the card since 2002 and like alot of people had it added, never knew what it was and thought it was just one of those things that was part of having the card, yes i was young and naive! Well I challenged Marbles last year and got back their "its your fault you should have known better" line in quite a condecending manner. The best part was saying that I requested PPI on my application form but as it was so long ago the form has been destroyed?! As far as they were concerned this was the end of it but included leaflet for
  13. Hi, I am struggling to get Marbles Credit Card to change the default date they report to CRA's to a more accurate date. June 2002 - Get a new Marbles credit card. May 2009 - I lost my job. After 7 years of paying my credit card on time i am now struggling. The world financial crisis does not seem to be a temporary one so I write to Marbles explaining my financial hardship. June 2009 - I write to Marbles again. I have not used my card since i lost my job. I cut and return my card. I am advised by Marbles to seek advice from th
  14. Hello, all...hope everyone is doing fine. First post so, don't know where to start, but anyway....about 12 years ago, i went in to HFC offices to pay off a loan we (my wife and i ) had. On the suggestion of one of the staff, we decided to go for a credit card. At the time, i had not long started a new job at a aircraft maintenance company and was on a very good salary and company pension scheme. I was also entitled to full pay if at anytime i became ill and had to have time off. The lady who dealt with my application (i'm sure her name was Gaynor) asked me if i wanted paymen
  15. My partner has a marbles credit card, origionally taken out in 2004 and was a beneficial finance credit card. He took out PPi which started in 2004 and has paid monthly ever since according to the outstanding balance until I got him to cancel it a couple of months ago. He still has the card but not the PPI. We would like to put a claim in for being mis-sold. He has never claimed on this as when he was unemplyed due to redundancy he just paid the minimum amount. I have a lot of the statements but not all dating back to 2005 and there are also quite a few charges
  16. Hi Had an old mables card. .Been all round the houses , ,Capquest had it last . .Sent a Recon CCA with an account number that wasnt at the time I took out the card, so def not the correct CCA . .The last letter from CQ was telling me they are still in talks with Marbles about the CCA that was 2012 ..Now received out the blue letter from CQ saying they have passed it to Drydens fairfax. .When Drydens finally write is there any point in CCAing them .. Or just tell them its still in dispute with CQ and quoting what CQ have said in letter ,,Or do I just
  17. Hi I was out today and a friend was looking after the house. He had a knock on the door from 2 people in a BMW who asked for me. He was suspicious and said he had no idea who I was. they went away then 2 mins later posted a hand written envelope through the door. I opened on my return to find a Statatory demand from BW Legal on behalf of Lowell threatening bankruptcy. The debt is for just over 4k with SAV credit and states a default date of early 2008. I have not contacted Lowell or BW Legal at any point and am unsure who SAV credit are. I was pay
  18. Hi all, not been here for ages, had a good success a while back now heres this story - Had CC from marbles, Mrs blew the card and we got into debt (she not here anymore - no not under the patio just not with me) I was paying a small amount to cap quest each month for the last 4 years, then a couple of weeks ago I said [naughty word]s to this, do I really owe them so I cancelled DD. Im better in my head now so I can deal with it. So I have letter on 22/6 from HL solicitors saying I owe 8.5K with an account number but to contact Capquest and I have letter from
  19. Hello DX, know your gonna have a chuckle over this. Marbles Credit card - believe on-line application 2001-2002 - card closed 2007-2008 still have some statements What chance if any of getting ppi back.
  20. Hi All, I have a question about my defaulted account which is now with Cabot Financial. I do have a thread running (Quite a lengthy one) Here I was sent a DN on the 10 Aug 09 which stated my arrears had to be paid by 31 Aug 09, on the 10 Nov 09 they sent another letter stating that they had recently defaulted me. This was all through Marbles and the debt has now been passed to Cabot (still no valid paperwork). On checking my credit file the deafult, which is now in the name of Cabot, is showing as 30 Nov 09. My question is obviously what date should it have been issued and is there an
  21. MARBLES Credit card DSAR Hi forum, I've sent a DSAR to Marbles. Enclosed with it was a copy statement (all I have) from Nov/Dec 2005. They have sent my request back stating: "We were unable to find information for the account you requested - Marbles cards from 2005 are dealt with at HSBC" I sent my request to the customer resolutions team at: Card Services Pitreavie Business Park DUNFERMLINE KY99 4BS So I'm a bit stumped now .. ??
  22. hi all, whilst claiming ppi back for my partner from hfc, we have found she has been paying a large amount per month in ppi on her marbles card. As she is quite vague on the details of this account we cca'd and sar'd them. still waiting for the sar., but the cca came back with a print out of just terms and conditions and a signed statement of account. they state in the letter that the original signed agreement has been requested from the relevant dept. and will follow shortly. they are now past the time limit so should i wait or is there anything i should do rega
  23. So who owns Marbles now? I have a letter from Halifax (address Fife) stating my account is now satisfied but it was actually sold on 2 weeks later, I think by BoS who owned Marbles at one point or still do. Do I write to Halifax, HFC or BoS?
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