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    • Forgive my ignorance but I assume take out dates would be when next payment is usually due? Jacamo is the 10th of each month Vanquis is usually the 6th or 7th of each month
    • Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences. I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name
    • the date is 19/04/24, so i have until 29/4/24 to reply? Yes, i will send my draft of my begging letter   
    • use the webform if it allows you to attach your evidential documents then do so but do that later depending upon who your bank is.... - but i suspect you will be referred to Mastercard. who is your bank? dx    
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Vanderpelt
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Not sure if this is a better place as i have not had any responce yet (and could really do with one,

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/161593-vanderpelt-marbles.html

 

So could someone please help

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Yes a Marbles CC that my wife has/had

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

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I have not sent of the CCA as of yet, the SAR has been done and i have complete statemnts from begining to current (we are slowly paying of the balance).

 

I have then worked out the 8% interest (as shown on Martin Lewis website), and have sent of 2 letters to Marbles so far, we have had one responce with them saying that they dont except the OFT report and that they will not refund anything, I responded with a LBA, and gave them 14 more days to reconsider.

 

the current step that i am at is preparing the court papers (as i figure it will be required to go that far).

 

So that is where i am at, i was looking for some POC to put in the court papers

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

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Vanderpelt Vs HFC (2 PPI, both WON)

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I can find the POCs for a variety of credit cards, do i just use one of them and edit it with Marbles details.

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

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I have had the second responce from Marbles stating that the OFT is pants and that they dont except it......

 

....however they will refund £180 as a goodwill gesture (about half the charges and none of the interest). obviously i am going to take that as much as i will sprout wings and fly there.

 

But is the next step straight to court or is it best to reply with will take as part payment but you have 14 days to give the balance?

 

thanks

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

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Well letter is prepared and bar the signing from my good lady wife it will soon be gone.

 

However i am still having trouble finding the POC i need for Marbles in specific, if i cant find it chat can i use instead.

 

thanks

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

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Actually just thought of something else, when i looked through the paperwork that we had, my wife was also served a Default Notice a couple of years ago (during a bad financial patch), would i ask that this be removed seperately (as we owed them around £1,080 at the most, and they owe us around £359 in charges), or in the context of demanding the money back?

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Great so i sent them on friday a No thank you, give me back the money in full or we go to court. It would be nice to not have to go to court as it saves time and money.

 

Btw will they pay the interest as well or just the charges? (as interest would be nice but i can live with just the £300 odd back thieving oiks

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Great so i sent them on friday a No thank you, give me back the money in full or we go to court. It would be nice to not have to go to court as it saves time and money.

 

Btw will they pay the interest as well or just the charges? (as interest would be nice but i can live with just the £300 odd back thieving oiks

 

 

Ask, and you shall receive :)

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Well it arrived last Friday (17th Oct) and i should expect a responce by next Friday (24th Oct) so we shall indeed see. :p

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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No response so far so will wait till pay day towards the end of the week and start court proceedings.

 

shame really as i could do with out the hassle.

 

Van

Edited by Vanderpelt
My blooming spelling!

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Actually just thought of something else, when i looked through the paperwork that we had, my wife was also served a Default Notice a couple of years ago (during a bad financial patch), would i ask that this be removed seperately (as we owed them around £1,080 at the most, and they owe us around £359 in charges), or in the context of demanding the money back?

 

Van

Hello Van :) As defaults are notoriously difficult to remove in isolation, in the past I have succeeded in having them removed by including them with a request for return of credit card charges (specifically with Barclays and NatWest). You should include a statement requesting the removal of the default notice and all adverse marker data from the credit record in your correspondence ...

No response so far so will wait till pay day towards the end of the week and start court proceedings.

 

shame really as i could do with out the hassle.

 

Van

Van you can include the above request in your POC ...

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PB

 

You darling ! you might be able to help, as i have been trying to find some POCS for marbles Card for a while but i have been unable to, do you know where i could find some?

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Well it seems from the information i got from my wife in her excited telephone call we have one.

 

the only issue is the DN, do i deal with that seperately? or try to get it included in this

 

Van

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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