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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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M&S Credit Card failed/botched balance transfer


nat_haffler
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Hello. Can anybody help me?

 

This is my first post on here.

On December 2nd I transferred a balance of £460 from another card (Clydesdale) onto my M&S credit card, taking advantage of a 0% offer; I have had the M&S card for a few years now. A few days later I received a letter from them informing me that the balance transfer had been completed. I thought this strange as I'd never received one of these before when transferring earlier balances to the card.

 

Anyway, the £460 hasn't reached the Clydesdale card account yet but shows up on my M&S statement - in writing at least it looks like I now owe two lots of £460 to two creditors!

 

I called Clydesdale. They weren't very friendly and said it was M&S's problem. M&S customer service centre (0845 900 0900, probably abroad) first informed me that they would have to put me through to the balance transfer dispute centre in Chester (UK). Then the man said that he **wasn't authorised to**. He logged my dispute and told me that "someone will contact you by phone". He was unable to give me a time or a date. Unsatisfied with this response, I phoned back an hour later. This time the lady on the phone said she had **no means of putting me through to the resolution centre** but someone would contact me; she again was unable to give even an approximate date or time. She also said that I **may** be contacted by letter.

 

During the numerous calls to M&S, the Clydesdale credit card number has been checked every time; the one they have on file is correct and matches my card. During the last call, the lady asked for the Sort Code and Account Number on my Clydesdale statement - I wasn't asked this when I did the original balance transfer by phone. She added it to my notes.

 

7 days later and the £460 is still showing on both my M&S AND Clydesdale accounts. Very anxious, losing sleep and all that. Any advice anyone? Even about the technicalities of the balance transfer process in general and what happens if things go wrong and where liabilities lie? And what happens if M&S simply refuse to give the money back? Or what happens if M&S have done everything right and it's Clydesdale who are at fault yet refuse to refund me also?

 

Cheers

Nat

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I personally would suggest to stay off the phone, as when you ring in, you speak to unknown different CS agents who either give different responses or non answers.

 

Which don't get you very far or are even helpful.

 

So I would contact both CC & write to them, describing what has happened (as above) & how you want them to sort this out for you.

 

Also state what resolution you seek. I.E. The £460 removed/added to which CC correctly & the balances to reflect this.

 

I've found these contact details for you;

 

M&S CC

 

http://bank.marksandspencer.com/explore/contact-us/overview/

 

Cards & Loyalty Department

M&S Bank

Kings Meadow

Chester

CH99 9LZ

 

Clydesdale CC

 

http://www.cbonline.co.uk/contact-us/other-contact-us

 

Email;

 

[email protected]

 

Customer Experience & Marketing

Guildhall

1st Floor

57 Queen Street

Glasgow

G1 3ER

 

I do hope this gets sorted for you asap,please do let us know how you get on.

 

Good luck!!

I don't suffer from insanity, I enjoy every single minute of it!!

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  • 2 weeks later...

Result. I posted a recorded letter off to M&S on Saturday 20.12.14, and just caught the last 12:30pm post. I planned to write another one to Clydesdale later - as it turned out, this was not necessary. On Tuesday morning about 10am (23.12.14), I received a phone call from a representative from the M&S Customer Services Team. Turns out the card number was entered incorrectly by an operator and Clydesdale had rejected the payment. This lady was very friendly and apologetic. She claimed to be unaware of any rule that prevented the call centre operators forwarding people onto the Balance Transfer Dispute Team or Customer Service Centre in Chester and promised to investigate this for future reference. She also said she would credit my balance with £35 compensation for my inconvenience and although I haven't checked this yet (due to Christmas holidays), the balance transfer appears to have gone through now, the Clydesdale automated balance inquiry service reflecting this accordingly. I just hope there are no more problems. I got a direct number for the Customer Services Department in Chester from the friendly and helpful lady. It is 0800 028 9004. N

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