Marbles calling me - what to do?

digitalphase

I am in the process of reclaiming credit card charges off of Marbles. I have sent 3 letters so far, all recorded delivery, and the last one was sent on Wednesday. This is the one threatening them with taking them to court.

I have had two calls on my mobile, both from unknown numbers which I do not answer, so I cancelled them. They left me voicemails saying it was Marbles complaints' department and to call them back to discuss my letter of the 18th November. I presume the letter I sent this week has not been 'processed' yet.

Should I call them back? I wanted to do everything by letter so that I have written proof of all correspondance, that's why I have been sending all my letters to them recorded.

Anyone got any ideas?

Voyager2002

Make a brief call to them saying that you want all discussions to be in writing. It is possible that they have just telephoned to confirm your identity or for some routine check, in which case it makes sense to cooperate. Obviously if they try to get you involved in a discussion of your claim you should just repeat that you want all discussion to be in writing and if necessary hang up.

militantconsumer

Or answer the phone next time they call?

nickmack

Voyager2002 wrote: »

Make a brief call to them saying that you want all discussions to be in writing. It is possible that they have just telephoned to confirm your identity or for some routine check, in which case it makes sense to cooperate. Obviously if they try to get you involved in a discussion of your claim you should just repeat that you want all discussion to be in writing and if necessary hang up.

Sound advice, even if they want to settle in full, request it in writing or no deal.

digitalphase

Thanks. I phoned them back and it turns out they had got some returned mail as they had sent a response to my letter to my old address (despite me putting my new address on all letters). Anyway it's been updated now and hopefully will get the letter Monday she said. Probably a fob off but at least I will see what's going on.

digitalphase

militantconsumer wrote: »

Or answer the phone next time they call?

I don't like answering 'unknown' numbers as I feel they would leave me a voicemail if genuine and if not they won't bother me

digitalphase

I got a letter from Marbles in reply to my original letter which was dated 18th November, this was the first of Martin's template letters, asking for my charges back. The 14 days had passed so I sent them the 2nd of the template letters, threatening to take them to court. Because of their incompetence, they sent this letter originally to my old address then phoned me as they had the letter returned to them. So now our letters have crossed. Should I wait for a reply to my letter dated the 3rd December or send the last template letter?

The letter I received from them is full of contradictions about how their charges are fair despite the OFT ruling that they aren't fair.

Any ideas where to go from here or should I wait for a reply to my most recent letter?

bengal-stripe

digitalphase wrote: »

....about how their charges are fair despite the OFT ruling that they aren't fair.

That is probably wishful thinking on your part, but there is no ruling (yet) by the OFT whether or not bank charges are fair.

The OFT has been given the right to judge bank charges on fairness grounds.
(This judgement has been appealed by the banks. A decision about the appeal is due early next year.)

The OFT’s conclusions about the fairness or unfairness of bank charges are a long way off.

Don't jump the gun!

Orford

The OFT’s conclusions about the fairness or unfairness of bank charges are a long way off.

Marbles is a credit card and not affected by the OFT test case

digitalphase

Bengal-stripe - your quote from my post is actually one of the contridictions written in my letter. They wrote that the OFT had ruled that they were unfair, yet Marbles had decided to ignore it because they didn't agree. I'm not jumping the gun, just asking what I should do about the letters?

digitalphase

Just wait and see what they send me?