M&S, changed from Storecard to Creditcard .

[ajs444]

Hi HHNF,

Company chasing me is called Pre-Legal-Recoveries based once again in Chester.

I have not replied yet as I am needing to calm down to give a reasonable response.

They say they are going to visit me at my home address, well I hope they bring an acceptable and legal CCA with them.

[hellhasnofury]

Hi HHNF,

Company chasing me is called Pre-Legal-Recoveries based once again in Chester.

I have not replied yet as I am needing to calm down to give a reasonable response.

They say they are going to visit me at my home address, well I hope they bring an acceptable and legal CCA with them.

 

I know they do infuriate you:mad:

 

I just send the dca this little letter

 

Dear Sir/Madam,

Your ref: zzzzzzzz

 

Thank you for your template threatening letter proposing your intentions regarding this alleged debt. May I suggest that there is urgent liaison between yourselves and Marks & Spencer Financial Services regarding this matter. This account is in clear legal dispute. Any verbal or written contact from your company to myself, I will retain for my files and will take the appropriate legal action for harassment.

 

Please take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and inform the OFT of your actions.

 

I look forward to your reply.

 

Yours faithfully,

[ajs444]

Cheers for that HHNF, coincidentally the address of this DCA is the same as M&S Money!!!!

So therefore there should be no communication problems.

Have sent details to FOS, who are dealing with this case.

[cleo4patra]

The CCA I received was identical to the one cleo4patra posted on Data Protection and Default Issues under M&S post 42.

I am going to send letter under CPR 31.16 that Banker rhymes talks about in post number 9 so that they understand what I was expecting from them.

cleo here - subbing - I agree it would be best to put all M & S threads together. When you say the CCA is the same - is that the front or the reverse or both????

[ajs444]

The front part is identical, they sent other T&C's which had no bearing on the original Storecard application.

[cleo4patra]

The front part is identical, they sent other T&C's which had no bearing on the original Storecard application.

I have written to them disputing what they sent as the reverse - they have now sent me a final demand threatening court, charging order, bailiffs and attatchment of earnings and I am unsure what to do???

[ajs444]

If they dod not have a valid CCA the case is really not going anywhere.

[ajs444]

Everything has gone pretty quiet now, no phone calls, letters and general harrassment, think FOS might be giving them a good seeing to!

Also notice more M&S links on Debt Colection Forum.

[ajs444]

Had a final letter from the DCA, Pre-Legal-Collections saying they have made endless efforts to contact me, not something I am aware of!!!

They are sending someone to come and see me!!!

Have reported this to FOS and given them copies of letters so we will see what happens next.

[almond]

Hi HHNF,

Company chasing me is called Pre-Legal-Recoveries based once again in Chester.

I have not replied yet as I am needing to calm down to give a reasonable response.

They say they are going to visit me at my home address, well I hope they bring an acceptable and legal CCA with them.

 

HI

i had that letter last week and two calls last night one on house phone partner answered ( i was out) and two minutes later one on works phone

(i work from home) don't know were they got that number from, saying its

in my BEST INTEREST to ring before 8pm tonight

i can't post my app form the scanner won't scan will try again today

[cleo4patra]

HI

i had that letter last week and two calls last night one on house phone partner answered ( i was out) and two minutes later one on works phone

(i work from home) don't know were they got that number from, saying its

in my BEST INTEREST to ring before 8pm tonight

i can't post my app form the scanner won't scan will try again today

Had further letter today - they advise me to seek "immediate independent legal advice" and they "refute all of our allegations".

 

Enclosed with letter was a final demand

[almond]

had this today but can't scan so will type it

as you will be aware from my previous letters i have been instructed to contact you by the collections & recoveries dept at m&s money due to the serious arrears on your account.

despite many attempts to contact you directly, you appear to have ignorged or disregarded all of my efforts to resolve this matter.

goes on to say a default is due to be registered on my credit file etc

standard stuff

if you do not contact me i will be unable to prevent registration of the default. This is your FINAL opportunity to prevent this action.

If you contact me immediately on 0845 then i can arrange for no further action to take place. If you fail to contact me i will have no alternative

but to instruct our agents to visit your home address to recover the debt

 

please can somebody advise what letter i send,, i will sort out scanner over weekend and post the mirco film of my so called app form

thanks

bit worried about this and hope it was ok posting in this thread

[cleo4patra]

had this today but can't scan so will type it

as you will be aware from my previous letters i have been instructed to contact you by the collections & recoveries dept at m&s money due to the serious arrears on your account.

despite many attempts to contact you directly, you appear to have ignorged or disregarded all of my efforts to resolve this matter.

goes on to say a default is due to be registered on my credit file etc

standard stuff

if you do not contact me i will be unable to prevent registration of the default. This is your FINAL opportunity to prevent this action.

If you contact me immediately on 0845 then i can arrange for no further action to take place. If you fail to contact me i will have no alternative

but to instruct our agents to visit your home address to recover the debt

 

please can somebody advise what letter i send,, i will sort out scanner over weekend and post the mirco film of my so called app form

thanks

bit worried about this and hope it was ok posting in this thread

What was the "reverse" of the application form like???

[almond]

What was the "reverse" of the application form like???

 

would'nt no all i got was a very bad copy of a mirco film app form

it looks very much like a tri fold form the first page has two very slim

columns and the second is just my dd form

[cleo4patra]

would'nt no all i got was a very bad copy of a mirco film app form

it looks very much like a tri fold form the first page has two very slim

columns and the second is just my dd form

Anyone else got the "reverse" of their application form/ agreement??

[ajs444]

Message back from FOS today, saying that M&S will stop sending out DCA letters till case resolved, they will still be putting notes on my credit file re-non payment.

Pointed out to FOS that since they have still failed to produce a valid CCA, that the account is in dispute and they have no right to put notes on credit file as at this point there is no agreement between us.

[ajs444]

Well reply from that toothless organisaton called the FOS received and guess what ?

They cannot make a decision on the validity of the agreement!

It is up to the courts they say.

I find this totally outrageous that they cannot look at agreements and say if they are enforceable or not, talk about not upsetting the applecart!!!

[ajs444]

Well all quiet on the Western front, only getting statements now, interest still being added.

A revelation from another cagger will change everything soon, keep your eyes peeled!!

[cleo4patra]

I will await this - I am very interested - just fought one DCA off and heard nothing since from M & S

[ajs444]

Stay calm cleo all will be revealed within the next 7 days!!!!!

 

All news will be good news!!!!!!!!!!!

[smugorwhat]

Any news on the 'news'?

[ajs444]

See Beetles thread in "Dealing with Debt in Scotland", M&S on the retreat methinks.

[ajs444]

A victory for "seriously fed up" see thread in "debt in Scotland" let's spread the word, M&S can be beaten!!!!

[ajs444]

Beetles thread re M&S in "DCA Legal Sucesses"

[ajs444]

So, in a quandry what to do, any suggestions would be welcome.

M&S just issuing monthly statements, adding interest, haven't paid them since Nov/Dec last year, everything ust flowing along.

I really want to get them out my life and cleared, how do I do this?

They are not taking me to court, "seriously fed up" and "Beetles" victories will have given them second thoughts.

Anybody with any ideas?