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M&S Money have lost my Consumer Credit Card Application


thefenz
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Hi

 

M&S have lost my credit card application form when I took out a card with them some years back (when they were a chargecard). Does that mean that my debt is unenforceable?

 

Any help please?

 

Thanks

 

thefenz

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It may be unenforceable until they find the application form. The absence of an application form is not the only evidence required to show that you agreed to use a financial product.

 

You should not view the absence of the application form as a means of avoiding to pay a legitimate debt.

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