Marbles Credit Card PPI

[AidanS29]

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 ombudsman and said that I could write to them.

 

So I did.

 

And they replied that as it was taken out before 2005 and is a credit card that's it,

theres nothing they can do.

 

SooooooIs that it?

 

Is there anything I can do now?

[dx100uk]

did you sar them for the statements and the agreement?

 

GISC was inplace so I cant see why they've turned you down.

 

they cant say you wanted it

but not produce the evidence!!

 

dx

[AidanS29]

I didn't SAR them,

 

I cotacted the complaints with the ombudsman form

 

That was my response,

 

how can they say I applied for it and wanted it without any evidence,

 

their view was that because it was there from the begining then I had applied for it,

 

just part of a letter that really annoyed me in it's tone and attitude!

[dx100uk]

its call a speculative fob off letter.

 

you sent a speculative questionnaire , with, no proof as such

that PPI was charged.

 

 

they sent a speculative reply back.

 

PROVe them wrong with evidence.

[AidanS29]

Can I though?

 

Their letter, and I quote directly states

 

:"I must advise that as you have now reached the end of our internal complaint procedure,

no further correspondence will be entered into regarding this matter unless it is recieved directly from the Finacial Ombusdman Servce (FOS)"

 

So is this just a ploy (bearing in mind that FOS told me that they wold not take this up as it was a credit card company and taken out pre-2005)

to get rid of me or is that it, they're going to stick fingers in their ears and ignore me?!

 

Seems a pretty cushy situation if all that is correct,

 

sell something, if customer complains say is their fault and thats it

[dx100uk]

I would advert that claim as was is settled

 

cant see why you cant start a new claim.

 

yes i'd say that's a fob off.

 

dx

[mightymouse_69]

I don't think the business will correspond with you if you complain again. They will just say that the matter has been dealt with and refer you back to the original final response.

 

I'd go back to FOS - I am not sure they are right about the pre 2005 thing. Just because a product was sold pre 2005 does not automatically mean they are unable to help. It does a lot of the time, but I am sure that Marbles products are covered. As far as I am aware, HFC Bank were responsible for Marbles around the 2002 mark - so that may be useful information to give to FOS.