Mr Landy v Marks & Spencer Money

[landy_alert]

Hi everyone:)

 

Having done a Subject Access Request, I've recently sent off for both a refund of charges and mis-sold PPI on a M&S Money credit card belonging to Mr Landy. The card has a zero balance and has not been used for a couple of years, but prior to this there were quite a few late fees/letter fees applied.

 

On the charges front I'm now at the stage where the prelim request has been turned down and the LBA sent.

 

The PPI refund request has been acknowledged and nothing further heard as yet - the 8 weeks runs out second week in August.

 

I was just wondering what the M&S success rate was like?

 

I've had a read around, but most people seem to be going down the enforceable CCA route on a card with an outstanding balance, rather than trying to get charges back on a card they no longer use.

 

If anyone out there has had success with M&S I would be interested to hear at what stage M&S paid out?

 

It's more the charges I am interested in - the PPI will probably end up joining the long list of complaints we seem to be filing with the FOS:D

 

I will keep this thread updated as any progress is made.

 

Thanks as always for any advice etc!

 

Regards,

 

Landy x

[landy_alert]

Bump.........

[steven4064]

M&S cards are just like any other store card. Follow the procedure and they will pay up

[landy_alert]

Thank you Steven:)

 

I suppose I was just interested to know whether M&S were likely to prove any more difficult than anyone else for paying up.

 

At the same stage with MBNA we had already received a 'goodwill gesture' and that was on a card with an outstanding balance, whereas we owe nothing on this card:confused:

 

They have until 6th August so we'll just have to wait and see what turns up!

 

Regards,

 

Landy x

[banker_rhymes_with]

Hello Folks!

 

Interesting link up I have just become aware of, is Marks & Spencer Financial Services plc, and John Lewis Financial Services Limited, are both owned by HSBC.

 

This may explain some of the similarities in the way both seem to operate and handle things.

 

I suspect HSBC are also behind other Store Credit Cards, so it may be worth checking out some of the others to see if HSBC pops up on the scope in those cases as well.

 

This should not affect anything landy alert, just letting you know some background that may be of interest.

 

Cheers,

BRW

[landy_alert]

Hi BRW:)

 

Thank you for the info and for stopping by to pass it on - it's most appreciated. Any background info is always useful! It's the same as Sainsbury's Bank who I'm also dealing with on behalf of Mr L, naively I didn't realise at first that they were part of BOS. Trouble is that even though some of my original correspondence sent to Sainsbury's Bank has found its way to BOS, some hasn't and as Sainsbury's seem rather reluctant to engage in correspondence with us I'm now having to send duplicates out:mad:

 

Regards,

 

Landy x

[citizenB]

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

[landy_alert]

Hi everyone:)

 

Does anyone have a link to any suitable M&S credit card POC for charges please?

 

Many thanks,

 

Landy x