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    • Lowell won't agree to set it aside, even if you paid it in full. Unless you proved that you never owed the original debt or there was a major issue with it, so the default should not have been applied. You can contact the County Court to obtain copies of the court claim that waa submitted by Lowell. It will be through the Northampton bulk centre who deal with the claims made online. If you know which company the debt was with originally e.g. Loan provider, then contact them with a GDPR subject access request (SAR). The SAR should provide you with everything including statements, but do ask for everything you want to see e.g. Statements, signed application form, CCA, any default notice issued.
    • You will have to be able to demonstrate that the game was faulty. This may include taking a screen video of what is happening. Follow our customer services guide to find out about recording your calls – but also about taking video screenshots
    • Lowell/CCJ Long story short, I have been working in my debts the last few months as I'm looking at getting a mortgage this year.   Alas my main issue is an old CCJ that I found from Lowell, it was for what I assume can be described as a doorstep loan. The date the CCJ is registered is from a person of time when I was working away on the other side of the country. However even on returning home I can hand on heart say i never saw any paperwork from the court (I may have seen it but I'm 99.9% sure I didn't. I emailed Lowell last year to ask if they would agree to a mutual set aside and was given the template answer of they had followed the correct procedure to file it etc. The only other thing maybe of worth adding is that the default on my file and the CCJ are for different amounts (please see attached pictures) So I guess I'm asking if I have any options of getting it set aside? I can afford the payment in one but wanted to check if I have options to have it set aside rather than just having it as satisfied on my file for another 4/5 years
    • 55-57, The Quadrant, High St, Windsor SL4 1LP, United Kingdom     Okay, are you prepared to bring a small claim in the County Court? If you don't know what that means then have read around this forum about small claims in the County Court and see the steps. It's very easy. Also, for this kind of money they will put their hands up and you will get your court fee back as well as your money – and you will have taught them a lesson which you can spread around the Internet. They want to play games? Here's a game for them.
    • The value of the card was £25. I purchased it last Thursday 20th. I did a search online and it seems it's not just me having this issue. 
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Queens_king

HBOS Marbles Card - Unpaid & Lost PPI Plevin Cheques

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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 don't hit Quote...just type we know what we said earlier..

 

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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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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 easily raise a court claim in the uk you are in asia!


please don't hit Quote...just type we know what we said earlier..

 

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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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Hi

 

I was awarded £871.16 Plevin redress for Marbles MasterCard in October 2018 but these cheques never arrived. Still have not arrived and now want payment as i am in a spot of financial trouble. FOS are not helping one little bit and neither are he BoS Despite three letters attempting to get payment.

I have poof that it has been awarded and proof that they have not been presented. 

 

How can I get them to sort this out without any court battle as this was awarded by the bank itself.

 

Many thanks for any help

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Well it seems to me that your position should be that the cheques were never sent to you. Do you have any evidence from BeOS that they were sent to you?

I hope you don't mind me asking why on earth you have waited for an entire year to start sorting this out.

I think you should contact BeOS, tell them that despite the ruling by the FOS in October 2018 they have failed to comply and you will be taking action in the County Court to enforce the FOS decision +8% interest plus your costs in 14 days and without any further notice.

Only make this threat if you intend to go ahead with it. I really don't understand why you waited 12 months

 

You will need this: https://www.gov.uk/government/publications/form-n322a-application-to-enforce-an-award


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Bank Fodder

This did not come to light until April as I knew nothing about it until I issued a Court summons to Marbles for PPI in January 2019.

 

The defence Lawver said that he was waiting for instructions to make an electronic payment as I only have Transferwise account.

I was then stuffed by the Lawyer as I issued the claim against a non entity. 

 

However their defence states that there was a letter sent to me on 17th October 2018 and that cheques were sent to me on 31st October 2018 which both failed to arrive and I have the email stating that the cheques have not been presented.

 

As I live in S E Asia I wanted the FOS to deal with this as I had no contact names or telephone numbers and since June I have sent the complsint three times as requested and about 8 requests for an update but have hit a brick wall with no responses.

I have also complained via the BOS Web about this on 15 October and received nothing and again twice more since with no reaction.

 

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numerous threads merged for complete history of this card.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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If I have to take court action who do I issue it to.

Bank of Scotland, HSBC, HBOS or Joint and several as this was a Marbles Credit Card

 

 

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If I have to take court action who do I issue it to.

Bank of Scotland, HSBC, HBOS or Joint and several as this was a Marbles Credit Card

 

Also Bank Fodder, this was awareded by the Bank not through a court

 

This is a draft of the letter I will send on Monday

 

I find that I have to write to you again with reference to a Marbles Plevin Redress which was purportedly notified to me on the 17th October 2018 and cheques sent to me on October 31st 2018.

 

This redress is against the following account numbers HFC Bank Limited (a subsidiary of HSBC) on the 12 May 2004 under account number xxxx xxxx xxxx xxxx (the agreement).

The agreement and the PPI policy was acquired by HSBC on or around October 2007 and was given agreement number xxxx xxxx xxxx xxxx and was subsequently transferred to the HBOS system around  February 2009 (subsequently xxxx xxxx xxxx xxxx

On the 17 th October a letter was sent detailing that the claim was upheld and that two cheques had been sent. HSBC Redress totaling £481.44 after tax paid of £49.79 and HBOS Redress totaling £389.72 after tax deducted of £108.64. Neither of these letters or the cheques were received and was confirmed by your Lawyer [email protected] late April 2019 that neither had they been presented and therefore out of date. A request was made for an electronic payment to the following account

Transferwise
Sort Code xx.xx.xx
Account xxxxxxxx

 

I was informed by you Lawyer that he was waiting for instructions

 

Despite the ruling by the FOS in October 2018 you have failed to comply and I will be taking action in the County Court to enforce the FOS decision +8% interest plus your costs in 10 days and without any further notice.

Edited by Queens_king
Addnl info

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Who sent the cheque?


please don't hit Quote...just type we know what we said earlier..

 

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dx100 ...

It says that one is from HSBC and the other from HBOS. But I see that they are both owned by Bank of Scotland

 

They have not sent it to me here in Philippines as the addresses I have had here are all family and they would have passed it on, the only thought I have is they have posted it to my old UK address which was sold 6 years ago and they were aware of it as I hae had letters from Marbles at the addresses here.

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hsbc and hbos have no links

hbos is bos

 

what is the 16 digit card number 

send it via a pm message.

 

 


please don't hit Quote...just type we know what we said earlier..

 

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1st card number is an HFC Marbles mastercard - HFC existed till 2007

 

they were merged into HSBC hence the new card number. 2nd card number

 

some old Marbles branded accounts were then sold to HBOS 2009 3rd number

 

newday acquires the marbles brand - relaunches the cardname and acquires all existing marbles cards from HBOS

 

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Thanks for the info but if needed who do I send the claim to. The last letter I received reference to Marbles came from Bank of Scotland in June 2018. It seems that they are mudding the water to stop paying me.

 

This was awarded in Oct 2018 prior to my PPI claim in Jan 2019 that fell apart (lack of postal service here in Albay) and at the time I had no idea that Marbles were no longer a legal entity. The Plevin payment came out of the blue from the Lawyers defence of this PPI claim.

 

I am banging my head against a brick wall with FOS since June and have also made an official complaint to the FOS about no action or updates. The lawyer [email protected]***solicitors.com doesn't want to provide any further info even though he says he was waiting for clients instructions to pay by FPS. The BOS customer services don't have a clue a d have never responded.

Edited by Queens_king
spelling. Albay not Albany

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To all that helped. I eventually got a Senior Adjudicator at the FOS involved and got the missing payment paid within two weeks.

 

Many thanks for all the he givenl

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so we are sorted then??

 

 


please don't hit Quote...just type we know what we said earlier..

 

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DX100 yes very much so. Unfortunately the PPI failed due to the archaic and almost invisible postal system here in Manila. 

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