Jump to content


  • Tweets

  • Posts

    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Ppi - HFC credit card


walkinthepark
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4387 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

Link to post
Share on other sites

  • Replies 118
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

Please support CAG and they will support you.

donate

Link to post
Share on other sites

MARBLES are notorious for not having copies of credit agreements. :sad: 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...

Link to post
Share on other sites

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.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

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%

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

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.

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

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.!!!

  • Confused 1

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

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 by walkinthepark
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...