M&S confused....

[stitch05]

Hi,

I had an agreement with M&S to pay reduced payments, and interest charges were stopped on the credit card. I have been making the payments as agreed, but after 4 months M&S wrote to say I have broken the agreement -so they have cancelled the reduced payment plan, demanded payment in full of outstanding arrears, and started adding interest charges and threatened issue of a default notice (and charged me £12 for the letter!):o

 

I wrote to them and explained I have been making the payments, and asked them to check their records. I also said I would complain to my debt advisory service and OFT. They have just written back and basically said... we will wait to hear the outcome of your complaint but meanwhile charges will continue to be added to your account-and again a demand for full payment of arrears.

 

All they had to do was check their records to see I have been making the payments as agreed, so I don’t understand why they haven’t done this. Is this something that has happened to anyone? I feel like I am going mad!

[steven4064]

Have you requested all your statements (or have you got them)? The statements will show your payments so you can prove that you have not broken the agreement

[stitch05]

Hi steven,

yes I have the statements showing the payments, which they should have too. I suppose I could photocopy them and send with another letter...

thanks for your reply:)

[steven4064]

I would do that and see what happens. Copy to the Financial Ombudsman too.