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M&S Credit Card

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Hi, me again.


I have an M&S credit card with a balance of £3,000 which I havent used for the best part of eight years, Ive been paying it off quite happily at £100 a month till a few months ago.


Due to a change in circumstances I called them and arranged reduced payments of 10£ per month, I also asked them to freeze interest which they refused to do and said they'd review it in November, I think there is also a default notice on the account.


My circumstances have since got worse if anything and whilst I can afford £10 Im wondering what I should do next as the interest rate is hideous and I want to shrink the debt not grow it!


Do I write to them and offer to continue to pay the £10 please freeze the interest etc??


Edit: After looking through the other threads do I send them a SAR request to see what they have on file and whether they have sig, I dont honestly remember signing anything and cant remember if the card was originally a store card since converted to a CC.

Edited by dizzygirl67

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