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M&S Charges and no CCA


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Hi I have recently received information from a SAR Request. I have again received an application form with nothing on the reverse - I know it is unenforceable. However I wanted to look at the charges on the account but I have just received print offs run on a computer (not statements) and the late payments are ALL £12.00, is this correct? It is also not clear what the purchases were.

 

I have a sneaky suspicion that they may have over ridden the charges and just put £12.00 instead of what they originally charged or am I being too distrusting?

 

When did they change their charges to £12 or has it always been like that - sorry they have only sent me terms and conditions that are present so cannot have a look myself.

 

Comments please....

 

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