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    • Hi Thanks for your reply. I have discussed this with citizens advice and they have taken details of the builder and reported them to trading standards who will take appropriate action. The builders claim that as the draft contract was sent over by email and I had time to think it over before deciding there is no cooling off period in this case.   When sending the draft contract they do not cover any details relating to cancellation rights or any of the details required in the legislation above as they are claiming it should be treated as 'on premises' and therefore my consumer rights do not exist.   I prefer not to give their name on a public forum at the moment but they are certainly not making my life easy at the moment. They are threatening to sue me for breach of contract if i do not pay up in 14 days.
    • Hi all, was a bit busy with my friends witness statement. It is my understanding that none of Assets ppl will attend the hearing pursuant to CPR 27.9 (1)(a). I'm not sure do my mate will be ready to go as he fall in deep depression, lost his interest in life and do not communicate at all now. Ok, there is the WS attached. Thanks DX for advice, I found some good ones here. No names stated in case someone from claimants side reading this. Will be appreciated for any advises and corrections. Thank you in advance.       WS.docx
    • Ok thanks DX, so i reclaim these charges and default sum fee's Then I guess once/if this is settled and they hopefully refund these charges then I need to make a repayment plan arrangement with them.   I think i need to move quickly as they have mentioned legal action which they said would involve property repossesion (so they stated anyway!)
    • Wrongly. I suggest that you post the drafts of the documents you are preparing to send or to file here before you actually do so. You've waited this long, another 24 hours won't make a big difference. You may as well get it right
    • Please will you tell us the name of the builders.  http://www.legislation.gov.uk/uksi/2013/3134/regulation/29/made lays out the circumstances in which you lose your right to cancel and off premises contract. I don't see anything here which says that you are not entitled to use the 14 day cooling off period. I suggest that you email the building immediately and ask him on what basis he says that you are not entitled to a cooling off period. Tell him that if he will not explain this to you then you will not engage in any further communication with him. In any event, and off premises contract must contain at least the following information – meaning that the supplier of the services must provide you with the following information http://www.legislation.gov.uk/uksi/2013/3134/schedule/2/made     Please check your contract and any other messages you have received on paper or by email and see whether together it can be said that you are provided all of this information. If you were not provided with this information then the cooling period doesn't even begin to run. To all intents and purposes the contract is not complete yet. On the basis of the dates that you have provided to us it would appear that you have exercise your right to cancel just within the 14 day period and so therefore your cancellation is good. It seems to me on the basis of what you have told us that you are being bullied and browbeaten by these people. If it is correct that they haven't given you any details about the right to cancel then they are potentially committing an offence and once they have explain to you why you don't have the benefit of a cooling off period, you could then reply to them and warn them that by failing to include all of the information in schedule two – but particularly information as to the right to cancel, they are committing an offence. http://www.legislation.gov.uk/uksi/2013/3134/regulation/19/made   Once you are satisfied that you are on secure ground, I would suggest that you write and tell them to do the other thing and that you will be happy to see them in court where you are sure that the judge will be very interested also to see the way they have behaved against you. Please let us know the name of the builders and also once you are sure of your ground I suggest that you start putting reviews up on trust pilot and Google and elsewhere.
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Queens_king

Marbles CC ... No Longer A Legal Entity

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Good day all

 

Can anyone confirm when Marbles CC ceased to be a legal entity please

 

i ask as i live in SE Asia and have submitted a PPI claim but the Lawyers are trying to strike out as claim is against an entity that no longer exists

 

Although i have communications from BOS from a PAP letter dated Oct 2019 and supposdly paid out the Plevin part of the claim.

 

Also need address to write to as the Plevin part state cheques sent Oct 31 but not received 

 

many thanks for your tome

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Scan up the letter to pdf

read upload

hbos issued a pap letter? 

you sure this has not been sold on??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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2Hi Dx 

 

Yes. It was sold to Callquest in December 2012. 

 

I have been messed around by these since 2014

 

Will upload the entire file a bit later as on mobile phone at

mo.

 

PAP sent to Marbles in Leeds

 

 

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you mean capquest

if the debt has been sold

why have you sent the pap reply to marbles?

surely this came from capquests pet solicitor?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you mean your pre action protocol letter regarding the PPI claim you intend to make?

you've got me confused here?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Unable to upload letter as PC just went down. Typed as per letter

 

I am contacting you about the PPI concerns raised.

 

We have not yet finished our investigation into your complaint. I am grateful for your patience while we complete our review.

 

NEXT STEPS

We expect to write to you with our final decision within the next 8 weeks. We are sorry for the delay.

 

FINANCIAL OMBUDSMAN SERVICE.

As it has been 8 weeks since you contacted us about your concerns you have the right to refer your case to the FOS. The Ombudsman offers a free independent review service. You can find more information on the back of this page and on the enclosed leaflet.

 

If you have any questions please get in touch. You can call us on 01244 698 298 or write to us at the address at the top of this letter. (Leeds) please quote xxxxxxxx xxx

 

Yours sincerely 

Sean Quins

Customer Services Operations Director

 

The back of the letter refers to FOS and Legal Ombudsman service

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Dx.

 

It was sold to Callquest with a debt of about £3k and was written off. I made no payments to Callquest. 

As all the PPI was invoiced by Marbles surely they are responsible 

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Capquest!! Not callquest.

 

Yes your ppi reclaim is against marbles

Poss hbos

Or if a newer one will be newday ltd

 

Cant see why a sols is involved

You cant raise a court claim in the uk you are in asia!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Dx.

 

Yes I can file a claim and have.

I have the claim number.

 

I have done all the leg work and have been rejected. Twice.

 

Once by NewDay in 2015 who were a bit slow advising g the CMC that was making the claim and was unable to go to the FOS as Newday rejected as out of time

 

I April 2018 l sent a PAP letter to Leeds and I received the letter I typed above in June 2018 stating I could go via the FOS. 

I held off for a while giving them a chance to reply but eventually went to the FOS which again was refused due to Iinitial complaint being rejected in Oct 2018.

 

I had no response to the PAP Letter except the above.

There has been no mention by either Leeds or the FOS that Marbles no longer existed therefore in Jan 2019 I issued my claim.

I have a claim number and had a fee exemption

 

 

 

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