Gingi1 v Marks and Sparks

Gingi1 · 8th October 2006, 17:36

Letter sent over a week ago with cheque. Still waiting with bated breath!

kokomar · 8th October 2006, 22:33

Hello they took 19 days for my Subject Access Request which from what I've been reading is pretty good going, however, they only went back to oct 01 on an account that's been open since 98. Have written asking for the remaining info if they have it. My thread is Koko vs Marks & Spencer in this section. Thank god someone finally on the same time line as me with them. Have you noticed how everyone who starts with M&S seems to vanish, scarey, unless they're all signing confidentiality agreements of course. Keep updating your thread, I'm v interested to see what happens with you.

Koko

blitz · 9th October 2006, 00:49

please delete

Gingi1 · 9th October 2006, 11:21

Will do Koko, and will keep an eye on your thread too.

sarah13 · 12th October 2006, 21:23

i'm going to send my letter to them tomorrow- my thread will be sarah v Marks and Spencer - will keep an eye here too. good luck.

Gingi1 · 16th October 2006, 23:18

Lists of charges received today, recorded delivery and a letter stating that if I require the full statements they are happy to supply. They also sent back my cheque for £10!

Will keep you posted

Gingi1 · 23rd October 2006, 20:05

Well, have still not managed to make head nor tail of what they sent me. Has anyone else experienced this?

kokomar · 23rd October 2006, 20:42

Ohhhh Yeeeeesssss. Just get the kids to bed then I'll be back on with as much of an explanation as I can give, providing of course they sent you the same kind of stuff! Koko

kokomar · 23rd October 2006, 22:05

OK this is what I got in roughly the order I got it.

1. Cover letter
2. Copy of original agreement (I specifically asked for this in conjunction with Subject Access Request letter)
3. Various screen shots:
a. ID info
b. general account info
c. Last six months statements
d. Communications Log (last few months)
4. "Explanation of Data Held by M S Money" repeat of 3 a b and c above but in different style with pointers as to what is what
5. Copy statements printed several to a page, just basic data not the fancy type you get through the post every month from 4/10/01 to 12/3/06.
6. More "Explanation of Data Held by M S Money" covering 3 d above back to 21/4/06.
7. Communications log from 21/4/06 to 22/9/06 (different style printout to 3 d above) with sample letters.
8. Previous Adress details
9. Purged history enquiry - Memos. This seems to be a printout of all the notes of conversations from 19/8/03 to 29/9/05, same data twice in two different formats.
10. Collection Master Inquiry - Memos. Combination of 7 and 9 above again supplied twice in two different formats. More sample letters.
11. Collection Master Inquiry - Actions. Movements on my account ie payments made, interest added (called "FIN CHRG), Debits (PPI Ins I think) from 12/9/05 to 13/9/06
12. Collection Master Inquiry - Maintenance. Errr not entirely sure but runs from 27/8/05 to 14/9/06.
13. Third party details if any.

The bits in blue are where I found my charges, there isn't a nice easy list I had to go through with a highlighter pen.

Hope this helps a bit any questions just holler! Koko

Gingi1 · 30th October 2006, 21:43

Thanks. Have trolled through everything and can only find one £5.00 charge. I can't believe it!

Has anyone had any luck with claiming back the PPI that is forced on you?

sarah13 · 30th October 2006, 21:48

Quote:

Originally Posted by Gingi1

Has anyone had any luck with claiming back the PPI that is forced on you?

I havent heard of anyone trying this so will watch this space and watch your progress. good luck

kokomar · 31st October 2006, 01:45

I knew my posts were too long everyone fell asleep after the first few lines!!! Me, yes I'm going after ppi.

Koko vs Marks & Spencer

If PPI was forced on you complain, they aren't allowed to do this, and if you can prove it, ask for it all back plus compound interest.

Koko

Gingi1 · 31st October 2006, 14:10

Thank you Koko, your posts are not too long - I'm just lazy - my apologies

I shall be going after the PPI then. I had a separate insurance to cover my salary if I was unable to work and yet all the banks insisted that I take theirs. I am now going to go after First Direct (loans, credit cards), Co Operative (loans, credit cards) and M & S.

Will keep you posted

Gingi1 · 2nd January 2007, 15:32

Sent letter to claim back PPI (only totalling £346.00 but still every penny counts with the mess that I am in) received a reply saying that they were looking into the matter. Just after Christmas received a cheque for the full amount and a letter of apology!!!! Hurray!!!

£346.00 down £36 odd thousand to go!

pinkglitter · 3rd January 2007, 13:04

Hi i'm just starting on Marks & Sparks can you guide me in the right direction of the 1st letter to send please and what it is i need to ask for as the account has been idle for years exact date i have no idea but the card originally was taken out 10 yrs ago !!!!!

Gingi1 · 7th January 2007, 17:26

Hi there,

I believe the statute of limitations is for six years. Send them the request for information under the Data Protection Act letter, which can be found in the templates section, to begin with.

Good Luck!

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