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M&S Credit card debt


Gilly35
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Hi everyone,

 

I am a bit of a newbie and I am trying to clean up some old debts that are haunting me. The usual story really, serious illness, made redundant on medical ground in 2010, I won't bore you or wait for the violins to come out.

So here is the debt - I owe £853 to a Marks and Spencer credit card which I think I took out in 2004. I raised a SAR last year as I wanted to check for PPI. They sent me back some weird computer print outs that were not very clear but I could decipher enough to see that there was no PPI on it. That was all they sent me, there was no credit agreement (but I didn't specifically ask for one). Should I raise another SAR and ask for a copy of the credit agreement? The account has been in default since February 2011 and a default notice was issued in 2011. I currently have an arrangement to pay them £5 pcm. So my question is, what can I do about this debt? What would you do? All suggestions welcome.

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