Hi all
I'll start with a bit of history of how this quite long dispute with marbles all started.
I sent marbles a CCA 1974 request back in march 2009 which they firstly ignored, having sent a reminder they finally replied by sending me an application form from beneficial dated december 1996. been unsure with what to do next i joined OTR who advised me that it was unenforceable as it didn't contain any of the prescribed terms within the four corners of the application. I then sent the account in dispute letter.
After months of playing postal ping pong and constant harrassment on the telephone the account was finally terminated in November 2009. Shortly after i received a demand for payment from Robinson Way Ltd (DCA) i replied by sending the well known ''bemused'' letter and finally in febuary they informed they had closed their file on me and sent it back to the OC.
Then in May i received a letter from cabot financial stating they had recently bought the account from marbles. Again i sent the ''bemused '' letter although it soon became apparent that cabot basically ignore anything you send them and try and fob you off with any old rubbish.
Then today i received an interesting letter from marbles which is a response to my complaint to the FOS which i have uploaded below and the last letter i received from cabot. I would like to make a f&f settlement offer ideally to marbles as i hate dca's but i'm unsure who actually holds it now, but in making this offer i don't wont to be made liable as in a way i would be admitting to the debt by making an f&f offer would i not?
Any help and comments would be very much appreciated :tinysmile_grin_t:
Cheers, jet
I'll start with a bit of history of how this quite long dispute with marbles all started.
I sent marbles a CCA 1974 request back in march 2009 which they firstly ignored, having sent a reminder they finally replied by sending me an application form from beneficial dated december 1996. been unsure with what to do next i joined OTR who advised me that it was unenforceable as it didn't contain any of the prescribed terms within the four corners of the application. I then sent the account in dispute letter.
After months of playing postal ping pong and constant harrassment on the telephone the account was finally terminated in November 2009. Shortly after i received a demand for payment from Robinson Way Ltd (DCA) i replied by sending the well known ''bemused'' letter and finally in febuary they informed they had closed their file on me and sent it back to the OC.
Then in May i received a letter from cabot financial stating they had recently bought the account from marbles. Again i sent the ''bemused '' letter although it soon became apparent that cabot basically ignore anything you send them and try and fob you off with any old rubbish.
Then today i received an interesting letter from marbles which is a response to my complaint to the FOS which i have uploaded below and the last letter i received from cabot. I would like to make a f&f settlement offer ideally to marbles as i hate dca's but i'm unsure who actually holds it now, but in making this offer i don't wont to be made liable as in a way i would be admitting to the debt by making an f&f offer would i not?
Any help and comments would be very much appreciated :tinysmile_grin_t:
Cheers, jet
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