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  • #16
    Re: Old Marks & Spencer storecard.

    Originally posted by Never-In-Doubt View Post
    They cannot charge £12 for a feckin phone call - do you have that in writing, ie evidence on a statement they did this?

    No they told me thats what they are doing, they even said they charge if it goes to answerphone.

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    • #17
      Re: Old Marks & Spencer storecard.

      Originally posted by jillyiant View Post
      No they told me thats what they are doing, they even said they charge if it goes to answerphone.
      Well they won't - if they did that we'd screw into them. It can't and won't happen! Charge for a phone call, yea right - whatever next!
      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.uk

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      • #18
        Re: Old Marks & Spencer storecard.

        Originally posted by jillyiant View Post
        No they told me thats what they are doing, they even said they charge if it goes to answerphone.
        Methinks whoever told you that was spouting a load of bull.
        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.

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        • #19
          Re: Old Marks & Spencer storecard.

          Originally posted by rizzle View Post
          Methinks whoever told you that was spouting a load of bull.
          Agreed - they do talk some shyte don't they! The OFT would have a field day if we had evidence to back this - shame the call wasn't recorded - although it would be at the bank...

          Hmmmmmm idea's idea's
          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.uk

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          • #20
            Re: Old Marks & Spencer storecard.

            Originally posted by planB View Post
            Shall we check it out first before you worry about what to wear at the court hearing?

            What year did your storecard turn into a credit card? After 2003/4 they began to send out application forms and/or get people to sign up to a new credit card account in store which may make a difference. Even signing up in store without the full Ts & Cs being present can cause them difficulties.

            Mines still a chargecard just a nice new light green to the old dark one I had many years ago, I didnt use it for a couple of years and then like a pillock when they upped my credit limit I thought id buy a new dress for a wedding I went to and the rest is history.

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            • #21
              Re: Old Marks & Spencer storecard.

              Me's almost hoping they did and put it in writing.

              Havnt had a good niddy letter in a while.

              Comment

              • #22
                Re: Old Marks & Spencer storecard.

                Originally posted by planB View Post
                And you also referred to PlanB as a "lady" However the judge who was a bigoted old bat implied that I was as a filthy debt avoider. Nevertheless consumer law was on my side
                ah we all know you are a lady, B and you were the winner that day!
                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

                • #23
                  Re: Old Marks & Spencer storecard.

                  Originally posted by Never-In-Doubt View Post
                  They cannot charge £12 for a feckin phone call - do you have that in writing, ie evidence on a statement they did this?

                  Iv just pulled out last statement, they dont appear to have charged anything although it might be on the next one I suppose. Theres a hellofalot of bumff on the back about interest rates, information and late charge rates etc that id never noticed before.

                  Comment

                  • #24
                    Re: Old Marks & Spencer storecard.

                    Originally posted by jillyiant View Post
                    Iv just pulled out last statement, they dont appear to have charged anything although it might be on the next one I suppose. Theres a hellofalot of bumff on the back about interest rates, information and late charge rates etc that id never noticed before.
                    It won't be there, cos they cannot do it. Simples.
                    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.uk

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                    • #25
                      Re: Old Marks & Spencer storecard.

                      Originally posted by jillyiant View Post
                      Mines still a chargecard just a nice new light green to the old dark one I had many years ago, I didnt use it for a couple of years and then like a pillock when they upped my credit limit I thought id buy a new dress for a wedding I went to and the rest is history.
                      Ahh well now that changes things if it's only a storecard - however still, no harm in requesting the CCA - is there?
                      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.uk

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                      • #26
                        Re: Old Marks & Spencer storecard.

                        Chargecards are different then? says m&s bank but on the back hsbc

                        Comment

                        • #27
                          Re: Old Marks & Spencer storecard.

                          Originally posted by missy View Post
                          ah we all know you are a lady, B and you were the winner that day!
                          Where is the link to this diary please.

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                          • #28
                            Re: Old Marks & Spencer storecard.

                            Originally posted by jillyiant View Post
                            Chargecards are different then? says m&s bank but on the back hsbc
                            HSBC only underwrite the credit that M&S supply, your agreement is with M&S - nothing to do with HSBC.

                            Of course a chargecard is different, it can usually only be used in one company/store

                            A credit card can be used worldwide and in all ATM's.
                            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.uk

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                            • #29
                              Re: Old Marks & Spencer storecard.

                              Originally posted by Never-In-Doubt View Post
                              HSBC only underwrite the credit that M&S supply, your agreement is with M&S - nothing to do with HSBC.

                              Of course a chargecard is different, it can usually only be used in one company/store

                              A credit card can be used worldwide and in all ATM's.

                              I know that... I mean where the cca thingy comes into it.

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                              • #30
                                Re: Old Marks & Spencer storecard.

                                Originally posted by jillyiant View Post
                                I know that... I mean where the cca thingy comes into it.
                                Nope, just send off for a CCA - it's still a running credit agreement
                                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.uk

                                Comment

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