Jump to content

 

BankFodder BankFodder


nick200

Marbles phobb off!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4684 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

Can anyone help? :confused:

 

Last December I sent off a letter to Marbles asking for compensation back of my fines and interest and even over the christmas period they still managed to reply very quickly with a phobb off similar to this (see below). What do I do next, I would like to strike whilst the iron is hot and I have heard about LBA, what is it and how can I get my money back?

 

Cheers

 

Nick

 

 

xxxxxxxx

xxxxxxxx

xxxxx

xxxxxx

xxxx

 

Your complaint has been investigated by: James Ball

Executive Complaints Telephone: 0121214 5841 Mon- Fri 8:00am-5:00pm

 

 

 

28th December 2006

Dear Mr xxxxxxxx

Re: Account xxxxxxxxxxxx

Thank you for your letter dated 19th December 2006. I have now fully investigated the matters raised.

Default charges are charges payable if customers do not make the required minimum payment by the payment due date, if they exceed their credit limit, or if a payment to their credit card account is returned unpaid. The amount of these charges, and the circumstances in which they are applied, is set out clearly in HFC Bank's credit card agreements. We believe that HFC Bank's charges to customers are fair and reasonable.

The OFT has recently published the findings from its enquiry into default charges on credit cards. HFC Bank has carefully considered the OFT's publication and does not accept its findings. However, the OFT's investigation has led to a change in market practices and HPC Bank has therefore decided, for commercial reasons and in the interests of customers, to reduce its credit card default charges for the future. These changes do not affect charges that have already been applied. Accordingly, I regret that we are not prepared to make any refund of default charges or provide any compensation payments. I hope I have been able to clarify HFC Bank's position on credit card charges.

Thank you for taking the time to contact me to bring this matter to my attention, I am only sorry it was necessary for you to do so. I hope that matters have now been resolved to your satisfaction. However, should you require any further assistance, please do not hesitate to contact me on 0121 214 5841 or write to me at the above address.

Yours sincerely

 

xxxxxx xxxxxx

Customer Relations Manager

Executive Complaints

Share this post


Link to post
Share on other sites

Hi Nick

 

Try and keep all of your questions on one thread, we can keep up with progress that way.

 

An LBA is a Letter Before Action, which basically means you are giving them a final chance to pay the money back or you will take them to court.

 

This can be found in the letters template library.

Share this post


Link to post
Share on other sites

Ok, I will try and keep all correspondance to this one thread. :)

 

I have already sent the "letter before action" and that is what I recieved :sad: What is the best way to take it further? I suppose it is the court letter?

 

Perhaps I should have sent more prelims!!

 

Nick

Share this post


Link to post
Share on other sites

The next stage now Nick. You will have to go to MCOL ( Moneyclaim ) as you have already sent the LBA. I will get your thread moved to the appropiate forum for you.

 

Uk.


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Share this post


Link to post
Share on other sites

Thanks for your help.

 

Regards

 

Nick :)

Share this post


Link to post
Share on other sites

Nick,

 

Send them another letter stating that you will definately take them to court if they do not give your money back within 14days. I presume you did as i did and hadn't sent the preliminary letter. I recieved a reply within about 5 days with an offer for settlement, around half what they owe, I will of course accept this as half payment and persue them for the rest.

 

Bryan

Share this post


Link to post
Share on other sites

Bryan,

 

Yep, did not send the preliminary and they sent a reply straight away saying no. So you just sent the same letter again but empathising the fact you will go to court? Sounds easy enough.

 

Glad you at least recieved some, good luck for the rest!

 

Nick

Share this post


Link to post
Share on other sites

Marbles seem to have a 3 stage response. 1st letter offer = 0, 2nd letter offer = half, 3rd letter offer = full amount.

 

I did this and got 100% which INCLUDED contractual interest (added about £200 to my claim!)


___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

Share this post


Link to post
Share on other sites

Cheers for your help and sorry about delay but been on holiday.

 

I will write back to them again then! :)

Share this post


Link to post
Share on other sites

They may have changed there practise slightly, I got a 50% offer after my initial letter, obviously I accepted as partial payment and posted my LBA. They have to the 25.01.07

 

Good luck


HSBC recovered bank charges in full plus contractual interest

IF.com recovered bank charges in full plus contractual interest

Marbles recovered credit card charges in full plus contractual interest

Share this post


Link to post
Share on other sites

Right..... after 2 LBA letters, they have now offered me 50%, obviously i am not going to accept but how do you word the next letter so that is firm but not rude!!? :confused:

Share this post


Link to post
Share on other sites

Got an offer for a full refund, thanks for the help everyone! :)

Share this post


Link to post
Share on other sites

hi ive been reading ur thread and as i ahve a claim with marbles going .. i sent the prelim letter to them with charges owed to me and they sent the exact same letter to me saying no arrrh ..what letter do i send now then lba

Share this post


Link to post
Share on other sites

IVE JUST done a lba to marbles adjusted it a bit and want to know if its ok anyone ----

LETTER BEFORE ACTION

Dear Mrs McKenzie

Re. Account number: xxxxxxxxxxxxxxxxxxxxxxx

Thank for you for letter dated 24 May 2007.

I am very disappointed that you have failed to respond to my letter in a satisfactory manner. Iam now writing to inform you that I intend to claim the full amount together with interest though the small claims court system.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the courts will rule in my favour. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £220.00 from me in default fees .

I am enclosing a copy of the schedule of the charges which I am claiming. (This was sent to you in my original letter on the [23 May 2007 ]

As you have responded to my first letter promptly I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs.

I trust this clarifies my situation

Yours Sincerely

Share this post


Link to post
Share on other sites

I sent my list of charges and they sent me a letter with exact same wording as above so now going to send my LBA - I am not sure though if somebody has had a success with adding contractual interest maybe I might give it a go? Has anybody had any experience in this and what rate did you use?

Share this post


Link to post
Share on other sites

Hi, I managed both fines and interest! You have to work and they seem to respond with 0 refund, then half then full so keep trying! I used the calculation sheets that are in the library and used my interest rate.

Share this post


Link to post
Share on other sites

I am not entirley sure of what my interest rate should be - as I opened the account back in 1999 I dont think they will be able to provide me the original agreement - so how would I be able to find this out! I wish now I did not throw away my papers - I am really learning my lesson!!

Share this post


Link to post
Share on other sites

is it worth ringing this james ball for refund after 50% offer .>>>>>>>

Share this post


Link to post
Share on other sites

I have just had an offer but it wasnt 50% it was a 1/3 - however it was 50% of my prelim.

 

The thing is that in the prelim I did not add the contractual interest but then as people had had success' with this I then in my LBA after they came back to me and offered me nothing I added the contractual interest.

 

Do you think that I ought to carry on and say that I wont accept their offer and continue to strive for the contractual interest and see what they come back with?

 

If they come back and offer me the full amount of my prelim do you think that I ought to settle for this or should I still push for the interest?

 

Any advise would be apreciated. - I know that I have confused matters for myself and they have picked up on this - but if this has happened to anybody else then I would appreciate feedback.:)

Share this post


Link to post
Share on other sites

yes press on the third letter u will get will be full offer of ur prem letter not sure about interest though as i didnt claim that ...i would ring them and say not accepting but prepared to settle out of court ..

 

;) talk to james bell hes a really guy and will sort it out for all

Share this post


Link to post
Share on other sites

they offered me 50% of charges only and now 100% of charges only but say they have a company policy of no interest to be paid.

 

I've talked to James Ball but he said he would need to refer to a senior manager to authorise full amount inc interest, then sent me a letter offering 100% charges only.

 

So, ombudsman or LBA?

Share this post


Link to post
Share on other sites

Does anyone here have an address for SAR letter for Marbles (NOT a PO box number as can't get a signature for recorded delivery request) ??

 

Cheers

Share this post


Link to post
Share on other sites

might be worth putting the full marbles address (not PO address) on a sticky ?

Share this post


Link to post
Share on other sites

Exactly in same position as Tifo.

 

offered 100% charges but no interest said against comapny policy - should I press on? Tifo have you had anything else back

 

the interest is about £250 so I dont really want to loose it but not sure if I want to go to court over £200 either!!

 

Any help anybody?

 

kiri260180

Share this post


Link to post
Share on other sites

For Marbles and virtually all credit card and bank addresses - not PO Boxes - go to:

www.esd.informationcommissioner.gov.uk/esd/DoSearch.asp

 

also addresses at:

 

Debt Questions. Information regarding debt issues

 

Hope this helps someone on here !

If it does - click my scales !

Cheers :)

(NO GAPS IN THE INFORMATIONCOMMISIONER LINK - IT WAS A TYPO ! )

Cash-Back

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...