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My first post, so I hope I am in the right forum!

 

I have had a Marbles card for 5 years and decided to claim back the charges they have made during this period. Sent the standard request off to them 5 weeks ago and didn't receive a reply, so I called them this evening.

 

Firstly, the operator was adamant that I had to pay £5 per copy of a statement - despite me stating that the maximum they could charge was £10 for the full 5 years. I then spoke to a "supervisor", who said that the charge is £10 per year...after reiterating the data protection act to them I finally managed to get the full 5 years for £10!

 

Secondly, and the this is the main reason for my post, they informed me that the credit card was on permanent block. This is due to several monthly repayments being made a few weeks late last year (the past 4 repayments have all been made on time). This shocked me because I have not received any correspondence from them - be it in writing or over the phone and they have not issued a default on the account (checked my credit report).

 

Can they simply do this? They refuse to put anything in writing confirming what they said, so I am just taking their call centres word for it. Don't they usually default an account prior to this?

 

They are happy to continue receiving the monthly minimum repayment off of me and collecting the interest each month. As they have effectively stopped the use of my card now, do you think I can ask for them to freeze the interest?

 

Thanks for your help.

 

Robert

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They are happy to continue receiving the monthly minimum repayment off of me and collecting the interest each month. As they have effectively stopped the use of my card now, do you think I can ask for them to freeze the interest?

 

Thanks for your help.

 

Robert

 

 

From the above bit of your post, Marbles is HFC Bank, and from my own dealings with them they'll happily keep taking your minimum payments whilst you're not actually in default and they'll keep adding interest to! They were one of the most unhelpful bunches I dealt with, don't want to know, don't want to write, ie just keep sending us money each month! They won't stop the interest until you default and it's only then that they have to.

 

Don't give up on the charges!

 

Good luck & Welcome to the forums :)

 

Dave.

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From the above bit of your post, Marbles is HFC Bank, and from my own dealings with them they'll happily keep taking your minimum payments whilst you're not actually in default and they'll keep adding interest to! They were one of the most unhelpful bunches I dealt with, don't want to know, don't want to write, ie just keep sending us money each month! They won't stop the interest until you default and it's only then that they have to.

 

Don't give up on the charges!

 

Good luck & Welcome to the forums :)

 

Dave.

 

 

They froze my interest straight away. I requested it (in writing) and they did it with no problems... and they also refunded £75 worth of charges without me asking !!

 

My only gripe with them is that although they continue to accept my minimum payment, every 3 months I get a string of phone calls and texts (since my daughter slipped up and gave them my mobile :mad: ) pressurising me into an extra £30 or so to stop them from passing the account to a DCA.

 

I have let this carry on because I hadn't discovered the CAG !! Having now discovered this wonderful site and having almost finished dealing with 2 other accounts (successfully so far)... HFC are next on my list !

 

Next time they 'phone, there will be no increases in payment and they can pass it to a DCA if they so choose.

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Is It me or is it really that marbles have lost their marbles ?

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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WELL THEY HAVE CERTAINLY LOST THEIR

"EXECUTED AGREEMENTS"

WE HAVE A MOLE IN SLUDGE SLOUGH AND THEY HAVEN'T GOT ANYTHING

REGARDING AGREEMENTS

 

SOME VERY BITTER STAFF THERE

 

ASK YOURSELF HAVE THEY EVER PRODUCED ONE !!!

 

icon10.gif-icon10.gif-icon10.gif-icon10.gif-icon10.gif-icon10.gif

  • Haha 1

:cool: sunbathing in juan les pins de temps en temps

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  • 2 months later...
WELL THEY HAVE CERTAINLY LOST THEIR

"EXECUTED AGREEMENTS"

WE HAVE A MOLE IN SLUDGE SLOUGH AND THEY HAVEN'T GOT ANYTHING

REGARDING AGREEMENTS

 

SOME VERY BITTER STAFF THERE

 

ASK YOURSELF HAVE THEY EVER PRODUCED ONE !!!

 

icon10.gif-icon10.gif-icon10.gif-

 

IS THIS TRUE??????

I sent a CCA request three months ago, nothing! I have spoken to them and asked again and again for them to send it out, again, nothing. If you have some inside info on this please PM me, I'm about to send them a default letter, many thanks in advance

Bircave:)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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