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This is my journey In 2009 M & S send me an application and purportedly terms and conditions on the back which they say is embodied within the agreement. Collect Direct get involved, quickly disappear when I send the account in dispute letter. Then Rockwell get involved who then are replaced with Credit Security who are then replaced with Fenton Cooper. They are shown the door and then Credit Security come back - keep up. In 2010 M & S send another copy of the application together with different terms and conditions although they say they are the "current account t