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M&S store card


WelshMam2009
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My CCA was sent mid March so it's quite surprising you haven't had a response from them yet Msowing...I take it you've told them that they are in default and are disputing the account??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 1 month later...

Despite receiving a letter from M&S stating that they do not have my agreement and the debt is uneforceable in court, the debt has been passed to Collect Direct. Received a letter today under the heading "Notice of Legal Proceedings"....what plonkers!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 2 months later...

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

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  • 3 months later...

Thanks for that CitB!! ;)

 

Just an update...heard nothing from Collect Direct until a letter arrived from Philips Collection Services stating that they were acting on behalf of a company called Improved Financial Services Ltd whom I had never heard of before.

 

Turns out that Improved Financial Services Ltd is Collect Direct's new trading name...perhaps they're trying to ditch the "Collect Nowt" tag!! :p

 

Will tell them where to get off and shall also be logging a complaint with OFT about this as I have already provided a copy of the letter from M&S stating that this debt is uneforceable in court.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 3 months later...

Just another update for anyone following and/or in a similar position.

 

After letting Philips exhaust themselves with their threatograms I finally found the time to tell them that they were in breach of OFT guidance by threatening court action when they know they are not in a position to proceed.

 

Collect Direct (aka Improved Financial Services) and Philips have now disappeared off the scene and the account has been passed to Gothia / Red Castle who are acting directly on behalf of M&S.

 

No doubt another similar barrage of letters will follow although I'll let them run their course before responding, yet again.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • dx100uk changed the title to M&S store card
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