Thread: A new M&S Claimer!!!

Hi all,

I have various credit card debt My M&S card has a balance of 9.5k, i have an arrangement with them to pay 25.00 per month and they have frozen the interest, i have had this arrangement for a year now,i have CCA'd them and im waiting, .....

I used to work for an M&S store and believe me we were not trained financial advisors and we were pestered all of the time to open &more cards for customers as there is big money to be made from HSBC for the store.

Its funny i seem to remember a mass training session on the &more and the importance of signing CCA's (3 copies of) in about 2006!!

I opened my &more acc. instore in 2003 so i know it wasnt just transferred from a chargecard account, and to my knowledge they up'd and double up'd my limit to £10k, which was my annual salary! (without telling me i must add)

What i want to know is after reading many threads and trying to be brave, if they get the hump with me for sending this first letter, will they cancel my arrangement and send me straight to a debt collecting agency???? I have paid this months 25.00, I am a single mum and although the payment arrangement is affordable the balance of account depresses me ALOT!!!!

All help appreciated
Thank-you

Hello littleme33. They really should not do anything to you for just requesting a copy of your agreement under CCA1974 s.78. Especially not if you keep paying the agreed amount under the dmp. If they did try anything funny you should go straight to the OFT with a complaint.

Of course, when you find they don't have a properly executed agreement and stop paying them it becomes a whole different ball game.

Hi, Thank-you

We will see what happens or what the postie brings!!