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Equinox1

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  1. The signature is a scrawl, but here is the odd thing, the date written in is my writing. The signature is similar, but not the same as the one that I have. I have two signatures, one for formal stuff, driving licenece bank card etc and then I have a scrawl type signature that I use which I 'squiggle' on documents such as say if I return an item back to a shop and they print out a return slip and get you to sign it, I just do a whizz signature and thats it. On the day that this card is dated I remember being approached in M&S, I had returned something back to the shop and I got stopped by one of their staff members pushing their credit card. I told them I had a store card but that I had not used it in a long time and that I suspected it was now probably no longer in use. I know I had the store card on me, but I don;t recall much else. The document they have sent to me has a date on it and a signature, but there is nothing else. It looks like a microfiche type copy that they have printed off and just stuck it in the post.
  2. I think it missing a prescribed term as well which is the amount of credit. It has no address on it or nothing just a signature. This is beyond mad, it is frankly stupid and surely they cannot enforce this without the correct paperwork?
  3. I have an M&S credit card, I asked the CCA to be sent to me last year, but weirdly they told me they were having trouble locating it and in all probability were unable to find it. I then wrote and told them that I now wanted it. Now this CCA agreement has turned up but the signature on it is not mine!! Exactly where do I stand with this? How can I have a CCA sent to me, with a signature that is not mine contains no address or any details just a signature and a written date yet they want to enforce this debt by using a two page doument with nothing more than a signature which is not mine in which to try and enforce it? Surely this cannot be right. I am starting to wonder if they are clutching at straws and have come up with something out of thin air in which to say here you go that will do!! Well, actually it won't do because they told me in the first place that it was taken out in 2006 and they now were struggling to find the original agreement!! Has anybody else had this?
  4. Well, I have now receieved the CCA but the signature on it is NOT mine!! So, where exactly do I go from here with this?
  5. I got some costs paid out of the case but not all of them. If it had gone to Court then I would have been looking at another £30k on top of what I paid out. I would only have got about 70 - 80% back in awarded costs. The other side caved in, my solicitor said that it was better to settle rather than go on, so I took their advice and just did.
  6. You know what I cannot remember. I did have a store card for sure, but then I moved house and it all got 'lost' somewhere in the mayhem of it all. I asked them about the store card they said they haven't got anything listed under my old address. There is the credit card for sure, but they say they cannot find anything under the store card and now they are saying they cannot find the CCA either. I have sent them today a recorded delivery letter enclosing the copies of the previous letters from November and December and telling them they have 28 days in which to get it to me. My only concern is what happens if they don;t get the CCA can I legally say to them it's unenforceable? Edited to add - no it was not it was taken out in 2006 and was not a transfer from a store to a credit card but just a credit card application.
  7. So, I have written to them again today because they have not replied nor sent the CCA this has been going on since last November now. I got the Terms and Conditions today but nothing else. I have said in the letter that I was informed they were having trouble locating the CCA, so I have told them I am no longer going to pay and said that they cannot chase me or make this a default debt etc. If they cannot locate the CCA - then what?
  8. I wonder if someone can give me some advice. In November last year I lost my job, I had managed, up to that point to keep my head above water to a certain extent. Now I am on JSA of £71.40 a week and I can no longer keep afloat. I contacted Stepchange who told me to contact M&S and get a copy of the T&C's and also the CCA agreement as I took this out in store with one of their reps in 2006. I rang M&S and they said it would be sent out, it was not. In December I rang again and asked for the documents. Still nothing. This morning I received a default notice and I rang M&S they said they are sending it out but that my account is now seriously in default. I told them that I had repeatedly requested the CCA previously. They have said it will be with me in the next seven days. Stepchange have sent me a pack out for sending out letters offering to pay £1.00 as that is logically all I can afford to pay. This i am in the process of doing. The total value of the M&S debt is in excess of £10k because this is a prior agreement taken out before 2007 and M&S have stated to me that there was no updated agreement, how enforecable is this debt exactly? I have had a look at some of the htreads on here and I see that some of you have really been through a massive wringer with them challenging the legal veracity of these debts, but has anybody actually come out of this the other side and that has been the end of it i.e have they concluded that the debt is not valid and walked away writing the debt off? Maybe I am in lala land with this regard I don't know. My debt was not clocked up by riduculous spending but by legal fees. I had a boundary dispute on at my home which ended up costing me well in excess of £35k. The solicitors needed paying and although in the past I was really careful with this card, I turned to using this card to pay the legal debts and it just flipping well spiralled. I won my boundary dispute but now I have another problem and that is they are now causing me sleepless nights worrying over this damn debt. My home is up for sale and I will probably end up renting for a bit to be honest. In reality though I just hope I can find a way out of this mire!! Thanks in advance
  9. Just found this site from a Google search. I am having some issues with M&S Money at the present regarding a credit card that I took out circa April 2006. I will post all of the relevant information in that section but I am hoping somebody will be able to point me off in the right direction. Happy 2014 all
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