mostlygrumpy
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Marks & Spencer Credit Card PPI
mostlygrumpy replied to mostlygrumpy's topic in Payment Protection Insurance (PPI)
Hi, no. I only rang them for a questionnaire. They started a complaint and have upheld it without me SARing -
Marks & Spencer Credit Card PPI
mostlygrumpy replied to mostlygrumpy's topic in Payment Protection Insurance (PPI)
Hi, phoned M&S to see if they'd received my questionnaire. They told me that they had and were upholding my claim. I am waiting for the letter with the breakdown of the calculation. How do I check the calculation when received and also if the calculation is incorrect can I ask them to pay the difference or does accepting what they send prevent me from doing so? I ask this because the amount is less than I thought it would be. Thank you. -
Hello, I took out a M&S card in 1995 and it has PPI on it. I was told at the time that I wouldn't get the card unless I took out the PPI. I have read through the forums and I know I am going to look stupid here but I can't see how I go about making a claim for PPI. Could someone please point me in the right direction for forms/letters/process please. Thank you.
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Thank you very much for the speedy reply
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M&S sent me a reconstituted copy of loan agreement. The address was one from 5 years after the address of the time of agreement. I sent them failed CCA letter. They have written back saying they have met their obligations and will now recommence collections procedure. Advice please.
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Your help is very much appreciated. Thank you.
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Thank you. I assume it is ok to alter the letter slightly to reflect it is to M&S themselves not Moorcroft.
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Do I say it does not comply as the address is incorrect?
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They have today sent the details as described in the longer post above. The failure to comply letter seems to be for non receipt of the forms. How do I dispute the wrong address please? Also the loan was taken in Spring 2004 do they have to supply me with a form bearing my signature because if when the facility was in 2004? As always thank you in advance.
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I have looked but can't find an appropriate letter for the above post.
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Received letter from M&S today recoded delivery. There are 4 sheets. Sheet 1. Covering letter saying sheets 2,3&4 comply with cca Sheet 2 - a reconstituted copy of application/agreement form. This is blank where my signature should be. Also loan was from spring 2004 however address on reconstituted copy is one I did not move to until end 2009. Also there is no agreement date or term in months or interest rate just an interest amount, monthly instalments are stated as £0.00 Sheet 3 - standard copy of terms and conditions Sheet 4 - statement of transactions To my untrained eye the reconstituted agreement is not satisfactory as it has wrong address, no interest rate, monthly oayment of £0.00 and does not bear my signature. Also agreement date is blank as is date below scanned M&S official signature. Your advice re reply would be much appreciated.
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Cca letter to M&S on 6th by recorded delivery. They have cashed £1 cheque on 9th dec. what letter do I send as no reply from them within 12+2. Emailed Moorcroft and told them I'm in dispute. They've written back saying they're going to speak to M&S and take no action in the meantime
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I have now received a letter from Moorcroft requesting a repayment proposal by the 9th December. The agreement will be dated prior to April 2007. What should I do now please?
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I think loan was originally taken prior to April 2007. Does that make a difference?
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It's a loan not credit card. Last payment made to it was 2 months ago. Should I wait until Moorcroft write to me or send a cca request?
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