Cymruambyth v M&S

[PlanB]

Re: Cymruambyth v M&S

Chargecard is from 1988 and personal reserve from 1996. They are each just over £3,000

Are these accounts still with M&S (HSBC) ? My Personal Reserve account was sold on to Arrow.

Arrow then conceded that my M & S Personal Reserve account was UE for loads of reasons which I'm happy to share with you but each account may be different.

My M & S Chargecard was written off because the CCA they provided didn't relate to my original application for an Option Card which changed to a Budget Card and so on.

[cymruambyth]

Re: Cymruambyth v M&S

Mmm, sort of! It was an arrangement made several years ago and I have just ignored every review!

Chargecard is from 1988 and personal reserve from 1996. They are each just over £3,000

[ATW]

Re: Cymruambyth v M&S

Good point Deepie. lol.

What were the terms of the £10 agreement? Do you have something in writing from them?

[Deepie]

Re: Cymruambyth v M&S

Recently I have sent CCA requests

Suddenly after years of peace and quiet I have woken the sleeping dragon;

ps I have sent illegible t&cs letter which prompted this outburst.

Why have they suddenly decided that £10 pm is no longer any good?

My guess ........

[ATW]

Re: Cymruambyth v M&S

Why have they suddenly decided that £10 pm is no longer any good?

[nightwatch]

Re: Cymruambyth v M&S

they did that with me when I sent for a CCA on my Reserve and store card, big letters" if you stop paying we may take you to court", stupid buggers had already stopped accepting the small payments I was making and kept telling me that "my payments have not been made as promised", so even though they are enforceable, they haven't had a penny off me in 2 years, and I send a sold in dispute letter to the DCA's.(when I remember)
suppose they will get me one day.

[cymruambyth]

I initially had 3 M&S accounts, when we hit the financial black hole I cleared 1 but kept the others as they didn't offer a big enough discount!
I have been paying £10 pcm since 2003. Recently I have sent CCA requests for a personal Reserve Account and a Chargecard (not converted to a CC). Niddy thinks they may be enforceable . Suddenly after years of peace and quiet I have woken the sleeping dragon; my arrangement has ended and if I don't ring ASAP they 'will consider referring the accounts to their solicitors to start legal proceedings or they may go to a debt collector'!!

ps I have sent illegible t&cs letter which prompted this outburst. Their reply will be going to Niddy!