M & S CCA Enforceable?? (PLUS someone elses copies)

[Patma]

Hi I've been in the same position as you,HME and have received ientical stuff back from M&S for a chargecard going back to 1987ish.

I've been dealing with Rockwell who have had the usual letters from me setting out the relevant details of the CCA 1974. At no time have they come back to me saying it doesn't apply in the case of this card. As I understand it, the card supplied rolling credit and therefore it should apply. I hope so anyway or else I'm up the creek LOL.

Also note that M&S refer in their letter to you , to "their duties under The Consumer Credit Act 1974", so it would seem they think it applies to the chargecard.

That's my take on it for what it's worth. All the best, Patma