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