Dear all I have an m&s cc that was converted from a store card around 1990. I am confused by all the threads and posts,I have read them all,but it is not clear as to wether I should take action against them. I owe £8000 and am up to date with the payments and wondered what are my chances of getting the card invalidated. I didnt sigh anything,im sure its the same as many on here. I have been approached by a firm who charges to fight the case,but this can be out on the cc,so i have that protection. I would be very greatfull is someone could summerise what my chances are and what I should do. Many many thanks to all the people who are trying to help others.

Many thanks for those who have posted on this thread. im hoping for some advice. I have an m&s cc converted from a store card. I took the store card out in 1990 by not opting out.The thread is very long an no one seems to have won a case against them.I am thinking of paying a frim to fight this for me.They charge a fee that I can put on the cc so there is little risk. My question is simple,is it worth it,has anyb ody won. Many thanks,its guys like you that deservbe to have their balances written off for all the help you give