Help With Lowells and M+S Card debt

[citizenB]

For sure, if you signed in store, then you were very likely not given the terms and conditions to read as they would have been wanting to get you signed up and spending.

Terms and conditions MUST be present at signature.

[gamekeeper01]

Hi all. application form attached. I hope it works!

Cheers

[citizenB]

I cannot open the 2nd document.

 

Does this contain your signature anywhere ?

[BRIGADIER2JCS]

I cannot open the 2nd document.

 

Does this contain your signature anywhere ?

 

it takes some 30 odd seconds to open CBA

[citizenB]

S'ok.. I needed to update adobe..

 

From what I can see this is a charge card - but the print is quite blurred.. were you allowed to take cash on this in the early days or was it purely for shopping in M&S !

[gamekeeper01]

Hi both, yes my sig is on the document. I don't recall if I were allowed to take cash or not. Sorry, not being very helpful here. I copied the docs as 500 dpm so what you see is what I have.

Given what you can see and what I have said any views?

Cheers

[gamekeeper01]

I thinkl I took it out to get a discount on some purchases when we were at the shop. You know the situation, "please take our card out today and we'll give you 10% off whatever you're going to buy".

Seemed daft not to.

Cheers

[citizenB]

If you look at this thread from 2009, it looks like the card agreement you have is for a STORE card you couldnt spend it anywhere else other than M&S.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?230339-M-amp-S-Storecard-to-Credit-Card

 

The link I gave you a couple of posts back is a current thread, where in a similar situation, it has been proved that M&S simply upgraded store cards to credit cards, without any reference to customers and also with out any of the correct paperwork that would make their new credit cards enforceable.

 

If you read the document you have to establish what type of card it actually is, then you will have your answer.

 

If it was store card at inception the paperwork you have is for that particular product.

 

If it was then later upgraded to a Credit card (which it obviously was) then the document you have is no good at all for the current credit card - there are substantial differences in a store/credit card and it is a new product.. for which a new agreement and a signature would have been required.

 

Please read the Diana Mayhew Judgment I linked you to in an earlier post.

[gamekeeper01]

Hi CB, and thank you for the prompt reply. I did read the link you posted with great interest. I will now try to read the docs I have but they are not overly legible and establish what it is I actually have.

At the end of the month we'll see where Lowells go with this, it wil be interesting if nothing else. I will keep you posted.

Many thanks so far.

Cheers