Thread: M&S CCA Response

Hi,

Ive just moved this thread to this forum, because I think it makes more sense here than in the General Consumer Section

I would be really grateful for any help you can give me

Ive CCA'd Rockwell for 3 Marks and Spencer Accounts that go back to 1993. I CCA'd them on 2 December 2009, and had 2 repsonses today, so they are outside of the 12 day period. Im still waiting for the third

Ive also had a letter from Marks and Spencer direct asking me to sign a letter confirming my address(Ive moved since the account went to Rockwell) - Im not doing it, because I dont trust them

Whats my next step? From what I can see theyve only sent me copies of the Application Form and a copy of the direct debit Mandate They havent sent the agreeemnt. Do I stop paying because they havent sent a true copy of the signed agreement, and the account is in dispute? Also it looks as though I had PPI on it as well. Should I try and claim this back as well??

Ive scanned the responses Ive had

Any help is gratefully appreciated, especially if you could point me in the direction of a response letter I can send back to them

http://i38.photobucket.com/albums/e1...s/IMG_0001.jpg
http://i38.photobucket.com/albums/e1...s/IMG_0002.jpg
http://i38.photobucket.com/albums/e1...s/IMG_0004.jpg

Hi thanks for that. No they didnt move me onto a more card. Ive received copies of my application forms today, along with photocopies of the terms of use ,and a brief statement of transactions( which I didnt ask for)- all of this was requested back on 2nd of december. The copy theyve sent me is quite poor, and Im sure that the agreements theyve sent me are unenforceable. Ive been paying a DCA on these for ages, and Im just looking where I can go next with this. Any help would be appreciated