R Vs M&S

[mercman1969]

Hi Folks,

 

Sent the usual letter to M&S asking for the CCA information. They responded with this.

 

 

 

[mercman1969]

Here is my respnse to the above:

 

27th January 2009

Your Ref:P110326X

Debbie Hughes,

Further to your recent correspondence dated 23rd January 2009. I am afraid I am unable to supply you with any further information regarding my identity to enable my legal request for information to be fulfilled than has already been supplied previously.

 

The fact that you have been writing to the above address that included a FULL account number and to me by name requesting payment towards the above account/sending statements has confirmed to me that you already have the correct details. This address and the occupier has been satisfactory to you in past communications therefore you have until 6th February 2009 (this date is over and above the 12+2 days usually allowed) to supply me with the information I am entitled to otherwise I shall make a formal complaint to the Information Commissioners Office without further notice.

 

I have contacted both the ICO and CCCS who have both stated that a signature is not required under the Consumer Credit Act and they also agree that with the evidence above you appear happy that I am the person you seek.

 

To clarify the request I have also included a further copy of my original request. This request should have been satisfied by 28th January 2009 when I have the right to place the account into dispute.

 

Kind Regards

 

 

Here is their reply:

 

 

 

 

 

 

 

 

 

 

 

 

 

Whats my next move here

 

SAR?

[lollipop73]

subbing-my Mum in Law who is under serious financial pressure got the exact same one back so interested in any advice you get.

[busby1]

Hi Mercman

 

goin through same with m&s. they have sent me agreement for storecard similar to your copy above. I have written back to tell them that is what they have sent me and that I require cca for c/c account. I'm still waiting on reply,nearly 12 days now so getting ready to send complaint/dispute letter.

[almond]

subbing i have cca and they should have returned it 14th feb not heard anything since sending it

[mercman1969]

Busby

 

I am wondering what my next move is

 

Began to get phone calls from them today - suppose as it because i havnt paid them this month

 

Need to move this along if anybody can help

[steven4064]

If the T&Cs page is the back of the application form in real life, then it is almost certainy enforceable as it will have your signature on one side and the prescribed terms on the other

[almond]

Hi Mercman

 

goin through same with m&s. they have sent me agreement for storecard similar to your copy above. I have written back to tell them that is what they have sent me and that I require cca for c/c account. I'm still waiting on reply,nearly 12 days now so getting ready to send complaint/dispute letter.

 

wondered what letter you sent, i got mine yesterday can't post since no way would anybody be able to read it.

its a 6x6 mirco film application form (about 1988) nothing on the bank

i got a sheet with bank details on and a copy of credit card t&c same as posted above.

mine says something about ppi at 54p-64p per £100 balance and see conditions overleaf section 2. Well they are no conditions

any advice welcome

thanks

Edited March 6, 2009 by almond

[mercman1969]

If the T&Cs page is the back of the application form in real life, then it is almost certainy enforceable as it will have your signature on one side and the prescribed terms on the other

 

I wouldnt know as all they have sent is a photocopy - a rather bad photocopy of the application form. I cant recall how it was laid out but I would imagine it would be like the majority of people on here

 

How am i going to know if it is enforceable or not

[citizenB]

Thread moved to the newly opened M&S forum:grin: