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Re: Old Marks & Spencer storecard.
ok will do thank you.
ok will do thank you.
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Re: Old Marks & Spencer storecard.
CCA's sent for yesterday only one phone call today as yet, but dont know if its them as I disconected before they spoke, tell tale sign they dont answer straight away. Its gone from ringing all day to once. YAY! Dam annoying when your scared to answer your own phone. Mind you we brought it on ourselves I suppose.Comment
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Re: Old Marks & Spencer storecard.
It will drop to nothing eventually. Most get tired eventually and move on elsewhereOriginally posted by jillyiant View Post
When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Old Marks & Spencer storecard.
Originally posted by Never-In-Doubt View PostThey cannot charge £12 for a feckin phone call - do you have that in writing, ie evidence on a statement they did this?
£12.00 for a phone call = sounds like shop direct method!I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Old Marks & Spencer storecard.
Originally posted by The Tech Clerk View Post
I have been told by them that as well, they charge 2 lots of £12 if you dont pay for 2 months for each default each month!Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Old Marks & Spencer storecard.
As above, they CAN charge £12 per month as a late payment charge. That's all though....Originally posted by jillyiant View PostI'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Old Marks & Spencer storecard.
Originally posted by Never-In-Doubt View Post
Ignore the bottom bit I left an old letter in scannerComment
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Re: Old Marks & Spencer storecard.
ok well they can't do that - you cannot default on a payments twice in one billing period can you?
It doesn't matter as you're not paying anyway, but it is incorrect what they are doing.I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Old Marks & Spencer storecard.
Could it be two different penalties?. An overlimit and a late for instance?
We had a number of occasions when that happened and they hit us twice.Comment
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Re: Old Marks & Spencer storecard.
wouldn't matter, one charge per billing period mate. Default sums usually apply to the account being, well in default (not s.87/88 but more not adhering to the terms for whatever reason) and these should be capped at one instance per billing period so if you miss a payment that would supercede overlimit and thus £12 would be applied.Originally posted by ken100464 View Post
Unless something is new that I missed - I dunno but anything more than one charge should be appealed, only if you plan on settling the debt though
I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Old Marks & Spencer storecard.
This one is not mine , would be interesting to find out if they can do his.Originally posted by Never-In-Doubt View Postok well they can't do that - you cannot default on a payments twice in one billing period can you?
It doesn't matter as you're not paying anyway, but it is incorrect what they are doing.Last edited by joshing; 13 June 2013, 14:47.Comment
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Re: Old Marks & Spencer storecard.
Received cca from marks & spencer storecard sent off to Niddy awaiting the verdict.Comment
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Re: Old Marks & Spencer storecard.
I've got my fingers crossed for you JillOriginally posted by jillyiant View Post
When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Old Marks & Spencer storecard.
Good morning! and I can say that because its a beautiful sunny morning at last!. Back to business, received this morning SAN from M & S storecard, not sure what to do yet still awaiting Niddys advice.Comment
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