Ppi - HFC credit card

[walkinthepark]

Does anyone know how long I should wait to hear from Marbles Complaints Dept? I've been waiting a fortnight now. I can't seem to find any info on their webpage. Also I've been getting calls from 08445 811011 and I'm not sure if they are connected to Marbles even though I asked them to put everything down in writing. Thanks in advance.

[harrassed senior]

The usual time for complaints' would be 8 weeks, not sure if this applys to all companies, pretty sure it does.

[PGH7447]

08445 811011 - marbles (HFC)

[walkinthepark]

Thank you - they've obviously got my letter.

[dpick]

If you get no responce then report them to FOS. I believe that the FOS require you to wait 8 weeks to allow creditor to respond.

 

dpick

[walkinthepark]

Thanks - I thought they sent a letter of acknowledgment after 2 weeks. I did stipulate that I wanted them to write to me not phone but obviously they've ignored that.

[coledog]

Ask them to supply a copy of their formal complaints procedure - this should stipulate a response time

[Tingy]

I asked the DWP for a copy of their complaint procedure recently only to be told they didn't have one. Each case is dealt with on its individual merits - hmmmmmmm!

[PriorityOne]

What are you complaining to Marbles about?

[walkinthepark]

I've been on a lower payment agreement for quite some time and everything has gone fine. Unfortunately, for some reason they've started to add lots of fees so my payment isn't covering it. I'm going to send a SAR etc now.

[coledog]

SAR Request

 

Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply. They have 40 days to reply. Adapt the last paragraph to give any previous addresses that the OC may have and attach a copy of a utility bill or they will write back and ask for one.

General SAR template.doc

[BARFLY]

MARBLES are notorious for not having copies of credit agreements. They will usually send you a copy of an application form. If they send this in their reply to the SAR then post it on here.

 

Have you been defaulted? If so, then withholding any further payments until such time as they provide an executable credit agreement will not make any difference. Worth thinking about. If you decide to go that way be sure to do the research here, first.

 

Marbles increased my interest rate years ago. Virtually doubled over 12 months. When they didn't provide a credit agreement I stopped paying. Ten or more DCAs have since come an gone. Only two years left, now, and it's SB8)

 

Your case is typical. You get penalised in this country for being in difficulties. If you miss a payment the rate goes up which would obviously make it more difficult to maintain payments:x You were making payments and they decided: let's get more money out of her. throw in some charges for whatever...

[The Debt Star]

marbles.pdfHi. I recently CCA'd Marbles and got this letter. No CCA or even a copy application form. My problem is that I have been paying them the full monthly subs even though I can't afford them. I have not been defaulted yet. I really don't know what next steps to take.

[Happyhippy1959]

Well Debt Star

 

It basically means no CCA no enforcement of debt. They can ask you to pay but, hey ho if you say get stuffed there's nothing they can do. They are hoping your sense of fair play will keep you paying. Write to them tell them you can't afford it if that is the case and pay them what you want to. If on the other hand you want to tell them to go forth and multiply, (which I would personally not do ) but that is me, what is the worse they can do.... Keep sending you letters... Decorate the shed with them or make a nice underlay for the dog kennel if you have one. I know some one wiser may pull this apart, but my understanding from a high court judge decision was yes they are not enforceable but they have the right to ask you to pay without legal redress... The ball as they say is in your court... Sock an ace to them if you are really suffering financially or offer a 10% full and final settlement, they will probably bite your hand off for it. Then go to 5%

[jimbo45]

Hi there

just be careful that the account doesn't get passed to RESTONS. This firm is probably the WORST and most HIDEOUS business I have EVER had to deal with -- arrogant, obnoxious, will go to Court so fast that your feet won't even touch the ground and they won't bargain either.

 

RESTONS usually operate on behalf of HFC and the various Credit Cards such as Marbles.

 

I've already made several complaints to HSBC (who own HFC 100%) suggesting that "The World's Neighbourhood / Local Bank" as they like to be known as shouldn't be employing thugs like these people to do their dirty work for them.

 

They can be stopped however since they are known to add absolutely HORRENDOUS "Collection Fees" to accounts like adding 1,000 GBP to a 1700 GBP debt.

 

It's this sort of stuff adding totally extortionate fees to people who are already in difficulty that makes most people want to have the whole Debt Collection business shut down or at least properly regulated.

 

Hopefully your debt hasn't been passed to RESTONS yet. If it is post details as the complaints about this particular firm can be found all over the Internet.

 

I suggest you try and arrange something however small BEFORE RESTONS get involved.

 

Cheers

 

jimbo

[Happyhippy1959]

Jimbo45 you are right in one way but hey, they have no CCA they can add a million pounds, it is unenforceable, Marbles has said as much in there letter. Tell Marbles to hand your account to the US Marines, still the same no CCA no legal redress. OK Debt Star I have your marbles account now and my charge is going to be £10,000, but hang on what can I do to enforce it... Sweet FA, just write back to them and tell them your true situation and make an offer. As people have said marbles are notorious for losing CCA's and it looks like yours is one off, they admit as much in there nice letter, which reminds you that they have no legal redress. So go on bang in a Full and Final see what happens. It is your choice. You offer me £10.00 and we have a deal, because, what else could I do. NO CCA nothing as yet. I could go to court and say Debt Star owes me £2,000, what's to stop anyone saying you owe them money without a contract????

 

Your decision on what you do next. When did that letter come.???? It really seems like they have lost it, if they had it, they would have hit you with it asap.... But hang on for a while.

[Happyhippy1959]

Just checked the date, they can say what they like about they always did that and this. this is January's 2011 date. Now I think, they have 14 + 2 day's to get you the CCA. Then it is account in dispute stage, you can stop paying, they can't legally hassle you. Some one correct me if I am wrong.

[coledog]

Think it is 12 plus 2 (working days) but do not send it too early.

[dpick]

Legalitys have not stopped them from anything before though it is nice to know that you can ignore the tripe that they write to you.

 

dpick

[Happyhippy1959]

yep dpick, let them howl at the moon. Just hang in there debt star and see what they come up with, but I hope I am not putting a jinx on you, it looks rather like they have diddley squat. So no CCA, (priceless) and unenforceable and yes sorry 12 day's plus 2. But give em a little longer, but beware, some have been know to get out the copy and paste stick!!!!!!!!!!!!!!!!!!!!! If they do manage to dig it out of there archive post it up lets have a look and check your signature.!!!

[The Debt Star]

Cheers guys. much appreciated

[Happyhippy1959]

Your welcome, let us know how it goes.... Keep fingers crossed

[walkinthepark]

.........

Edited January 20, 2011 by walkinthepark

[walkinthepark]

I'm a bit confused as to whose this thread is now lol. Bizarrely they have sent me a letter to say I haven't paid but I have a s/o with them. It's though they have thought "Oh this person has been reliably paying every monthy (not a pittance) let's throw a spanner in the works". It's come totally out the blue and now the phone calls have started.

 

Coledog - thanks for the SAR!

Edited January 20, 2011 by walkinthepark

[walkinthepark]

Just to update this thread Marbles have decided to keep accepting my lower payments. Cheers for the support.