marbles credit card problems

[carlos09]

hi all. this is my first post.
im in a dmp with payplan and have been for 4 years.
i have 5 credit cards and never had a problem paying all of them until they all put up the interest rates.
the mbna and virgin cards doubled in payments.

recently we missed a couple of dmp payments and now marbles have stated that they will not be going back on to the dmp because they want more money.

i have filled in forms with stake you claim to get back ppi on some loans that we have had and also have a company called norton accord to do someihing with the mortgage with ge money but thats another story.

does any one have any advice as what to do?
i have thought about sending a cca request but im a bit unsure about what will happen

cheers carl

[di30]

Re: marbles credit card problems

hi all. this is my first post.
im in a dmp with payplan and have been for 4 years.
i have 5 credit cards and never had a problem paying all of them until they all put up the interest rates.
the mbna and virgin cards doubled in payments.

recently we missed a couple of dmp payments and now marbles have stated that they will not be going back on to the dmp because they want more money.

i have filled in forms with stake you claim to get back ppi on some loans that we have had and also have a company called norton accord to do someihing with the mortgage with ge money but thats another story.

does any one have any advice as what to do?
i have thought about sending a cca request but im a bit unsure about what will happen

cheers carl

Hi and welcome Carl.

I note you said you have agreements on your account (DMP), have they not frozen the interest (charges) on the account(s)?
If not it maybe a good idea to send a letter and ask them to do this because of your hardship difficulties, then you would only owe what you owe as it stands without the interest raising up etc.

I'm surprised this have not yet been done, so it will be worth you asking them to do this, any problems and if they do not, then you can tell them as this is now in dispute, because you will be complaining to the Financial ombudsman service (FOS) which you can do after giving the bank/business a chance first to put this right, if they do not by the final decision then complain to the FOS.

So firstly write to them and ask them to consider freezing the interest (charges) give your reasons for example, financial hardship difficulties, if they fail to do this, keep on at them until you receive a final decision.
If by the final decision they do not do this, then complain to the FOS, and let the bank/business know that as the account is now in dispute, because they failed to consider freezing the interest (charges) you have taken the matter to the FOS.

No harm done in requesting for a copy of the CCA, just write a simple letter enclose £1 postal order or cheque payment, and ask them to provide you with a copy of the CCA for the account number of XXXXXXXXX, and if you are requesting a few CCA's from the same business, enclose the amount of £1 per each one with the account number. Then state you expect to receive these by 12 to 14 days of your request.

Good luck.

[carlos09]

Re: marbles credit card problems

many thanks for your reply

its the marbles card that has declined the payment amount from payplan and started charging me interest.
the others havent.

[di30]

Re: marbles credit card problems

Hiya, and your welcome.

Maybe then write to them as said in my above post, and ask them to do that because of your difficulties etc, and if they refuse by a final decision complain to the FOS.

If you do this, let us know how you get on and we can take the next step from there for you.

[Celestine]

Re: marbles credit card problems

You say you have filled in forms with Stake Your Claim to get PPI back? did you know you can do this yourself and pay NO fees at all?

[carlos09]

Re: marbles credit card problems

Many thanks everyone.

All I want it to become debt free and start again.
7 years ago we moved houses and the person buying our house pulled out at the last minute.
We then had a loan to cover the mortgage deposit thinking our house would sell quick.
16 months later we sold the house £15000 cheaper to get rid and I use the credit cards to live with the wife being off on maternity leave.

So that's my story
we have 4 loans and all of my credit cards going in for ppi hoping that we might get enough to pay back most of our debt.

Yhe only thing I think about is this unenforcable cca request and wether or not to do it,so any advice of people who have done that would be cool

[carlos09]

Re: marbles credit card problems

hi all

this is the latest i have had from payplan....

Hello Carl,

Please be aware Marbles as informed us of the following:

They are unable to stop interest and charges due to broken arrangement has you failed to make payments for a few months. The account will be reviewed by them in March 2013 till then charges will be applied.

Thanks
Silvia


i had a phone call with marbles last night telling me i had to get payplan to contact them about my dmp and that was the reply i recieved..

i now owe £140 intrest for the last 2 months plus i will owe £70 per month until march which i cant aford to pay..
this interest charges are going to take me 2 extra years to pay back...any ideas

[di30]

Re: marbles credit card problems

Hi Silvia

If that was a final decision then I would complain to the Financial ombudsman service (FOS), and do so under the hardship criteria.
When you complain to the FOS, you need to make it clear that your unable to afford the monthly repayment and now that the business did not agree with freezing the interest/charges whilst your suffering financial difficulties, they are now only adding more to the debt, which is already proving difficult for you.

What the FOS will do is take a look at your case and your circumstances and also the business, if they don't think the business are being fair to you, then they will tell them to take immediate action on freezing the interest etc and to come to an affordable arrangement with you, and possibly some redress compensation to be paid directly to you.

Did the business make it clear that it was final and you have the option of complaining to the FOS?
If not then you need to write to them again, until you receive the final decision with details of the FOS, in order to complain to the FOS, as the FOS will need a copy of the final decision letter you received from the business.

So if this is the case of writing back to them for a final decision, you need to tell the business that if they cannot come to an affordable arrangement with you right now and freeze the interest/charges, then you have no choice but to dispute the account and complain to the FOS.

And whilst the account is in dispute (being investigated by the FOS), the business should not be pestering you either.

Hope this is helpful for you.

[carlos09]

Re: marbles credit card problems

Thanks dizzy

how would I place the account into dispute?
Carl

[di30]

Re: marbles credit card problems

Your welcome.
You just need to confirm that the account is now in dispute until the FOS investigate your complaint, so will await for the outcome of the decision of the FOS, but you can still continue to pay what you can while your waiting.

[carlos09]

Re: marbles credit card problems

Your welcome.
You just need to confirm that the account is now in dispute until the FOS investigate your complaint, so will await for the outcome of the decision of the FOS, but you can still continue to pay what you can while your waiting.

Hi I don't mean to appear thick but how do I contact the fos?

[MIKE770]

Re: marbles credit card problems

Hi I don't mean to appear thick but how do I contact the fos?

google Financial Ombudsman Service on the net and their site should inform you to fill out complaint form and the relevant documents etc which they could read,.

[di30]

Re: marbles credit card problems

Hiya that's fine Sylvia, not to worry.

The link here takes you to the FOS site, and you will find the complaint form on there (do not complete the ppi one though) for this, you need to do the one shown above.
http://www.financial-ombudsman.org.u...complaints.htm

Before you do this though (complain to the FOS), make sure you get a final decision from the business first, they should let you know if its final and mention your entitlement to the FOS with the leaflet details.

Good luck.

[carlos09]

Re: marbles credit card problems

Just thought I would give you a uupdate
I got in touch with the fos and they said they would look into it but it would take
8 weeks. So I sent in a cca request and paid a £1 plus asked for a statement of all my accounts
i received a letter back saying I would recieve all information asked for but that was 3 weeks ago.
I was just wondering what to do next ?

cheers Carl

[CleverClogs]

Re: marbles credit card problems

Just thought I would give you a uupdate
I got in touch with the fos and they said they would look into it but it would take
8 weeks. So I sent in a cca request and paid a £1 plus asked for a statement of all my accounts
i received a letter back saying I would recieve all information asked for but that was 3 weeks ago.
I was just wondering what to do next ?l

Do nothing.

They have acknowledged your request, made under section 78 of the Consumer Credit Act 1974 - link - and, until they supply those data, the account remains unenforceable. (s78 (6))

Pay them some money if you want to and if you don't want them to risk the account becoming statute barred.