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cupcake68 Vs M and S 92


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Hi

 

I cca'd M and S (credit card) in March 09, have not had an response to my letter, sent in dispute letter on 140409, still no cca.

 

Yesterday I received this DN. AC M And S DN rec 140509 pictures by cupcake62 - Photobucket

 

The dates don't seem right to me from what BRW and The Shadow have been telling me on this thread http://www.consumeractiongroup.co.uk/forum/amex/193018-esile-amex-2.html

 

All comments truly welcome.

 

Many thanks

 

Esile

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  • 3 weeks later...

One more thing!

 

I have just noticed although theior DN was defective it was only requesting payment of the arears yet this final demand is asking for the full outstanding amount.

 

Does that mean anything?

 

CC68

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  • 4 weeks later...

Hi

 

We have received another DN.

 

It again is saying pay within 14 days of the date of this notice.

 

So again it is defective.

 

Why would they send another making the same mistake?

 

Did they have some paper to waste?

 

Oh and we have also recieved a letter from PLR. Do I bother to reply?

 

Thanks

 

Cupcake

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  • 3 months later...

Hi

 

Just an update.....

 

Heard nothing for ages then Friday we receive a letter from Collect Direct asking for payment of the full amount (and then some!!!) to be paid to themselves.

 

So does this mean the account must have been terminated?

 

Do I send the bemused letter to CD and sit back and wait?

 

Thanks

 

Cupcake

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  • 2 weeks later...

Out of the blue.......we have received this agreement from m and s AC mands cca rec 251009 pictures by cupcake62 - Photobucket

 

I'm guessing not enforceable because no sign of terms on same page as signature.

 

Can someone please look for me to be sure I am correct?

 

Thank you

 

Cupcake

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