Marbles - Off To A Rolling Start!!

[pelvicthrust]

 

Ok, after much deliberation (and what feels now like cowardice!), I sent a D.P.A. request letter . Less than 2 weeks later, I received the cheque for £10(!) and a whole list of transaction and charges. They 'waived' the charges. Anyway, I've had a look at the charges....each charge is £20. Now is that too low to claim back, anyone know?

 

PT:lol:

[martynh99]

It's your's - claim it !

[pelvicthrust]

Thanks for the reply. I've sent off a Prelim. Letter requesting payback! Which only actually amounts to £80 ..but eh its all money. Maybe i was taking the step-by-step instructions too literally where it says '£25-£39'. Now I'm building up confidence to the bigger ones owed to me!

PT

[bobtheb]

Hi pelvic thrust claim all amounts !! £1 is too much:) and dont forget to work out how much interest they have charged you(spreadsheet in templates ),because thats your money too

[pelvicthrust]

I've had a brush-off letter from a 'senior complaints Advisor' at marbles. Summarised it says that 'HFC banks charges are fair and reasonable' and that the 'HFC Bank......does not accept its findings' , but for 'commercial reasons' is reducing its credit card charges for the future. 'The amount of charges and the circumstances that they are applied, is set out clearly in the HFC's banks credit card agreements'

They 'regret' they are not prepared to refund......so-on and so-on.

I'm so tempted to thank them for the knowledge that we can ignore the law when we want to and the next time I get a speeding fine, I'll just say " I'm sorry Officer I don't accept this fine! ". On the other hand I could send a L.B.A.

Can someone reassure me that I'm doing the right thing? Of course I havn't read the credit card agreements that they are claiming as their defence, and neither do I have them anymore.

[bobtheb]

of course im not an expert, but i had that letter ,sent LBA heard nothing,filed MCOL 19/9 >will have to see what happens

[bish]

Had this letter after sending LBA, These so called responsible lenders who are a fit person under the CCA, are using their power to put the pressure on you or us to fold. The only thing they are in awe of is the court. If you present your case properly they will not go there, as they have no defence. The only thing that makes them pay up is court action. So keep going on your course of action and youwill get your money back. Good luck.

 

Regards bish.

[pelvicthrust]

Rightio, thanks for the support.I'll do that. At the same time as this complaint file, i filed one with Cahoot. Within two weeks they returned a cheque for the full amount of £185. No messing!

[pelvicthrust]

Ok, I'm sending off a second letter to Marbles. The only difference being that this time I'm warning them a further 14days and then Court action.

[bobtheb]

My second letter from them was no better:mad:Sent MCOL 19/9 ,got offer of full amount today:) but with a confidentiality clause:mad:

keep going you will get your money!!

[pelvicthrust]

Rightio, i will do. You have to sign the 'confidentiality' clause?

[bobtheb]

I dont know I crossed it out from the acceptence letter:) I will see what happens !!

[Guest Tracey284]

Thanks for the above. Had usual fob off letter from Marbles so will press on and ask for the statements.

[pelvicthrust]

I've had a reply saying they will give me half of the amount owed, £40 (tight or what?) if i agree not to bother them again...because I'm a 'valued customer of the bank'. Wonder what constitutes a un-valued customer? Anyway they can spin.....I want it all.

[martynh99]

I got the same letter, despite having closed my account down over a year ago. They even offered to pay it into my card account, that was closed over a year ago

As you'll see from my sig, held out and got the full amount a week later.

[pelvicthrust]

Marvellous, they've offered the full amount.As long as I agree not to make any further legal actions on this matter (-why would I?; they're paying me ALL i owe?) idiots. ....and of course its a 'goodwill' gesture. Nonsense. Anyway all paid up.

[Guest Tracey284]

Asked Marbles for £726 and they offered a goodwill payment of £365 and a signature for full and final settlement. Have acceptedthe £365 in part settlement and returned letter of offer unsigned asking for a further £361.

[Guest Tracey284]

Marbles Update - Received letter offering full £726 which I have accepted. Hurrah!!!!;-)

[bobtheb]

Well done congratulations:D:D:D

[pelvicthrust]

Fantastic news. Well done!