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Hi wonder if someone could give me some advice
Took out a M&S Personal Reserve in 2000 - financial problems in 2002 and due to low income have been paying M&S very low monthly sum since then
Did a CCA & SAR some time ago - just got back almost illegible copy of application form/T&Cs - I recently missed a couple of payments due to illness so decided to write to M&S with a new CCA request explaining that previous docs were illegible and that copy T&Cs did not correspond with the application T&Cs.
Have now had letter with just reconstituted T&Cs dated 1998
M&S say they had complied with s78 & & with Reg 3(2)(b) of CC(Cancellation Notices and Copies of Docs Regs 1983 as they have provided a copy of the agreement I signed and that it is enforceable
The copy of the agreement is the almost illegible application form/T&Cs
but I can make out that there are some differences in the reconstituted T&Cs to the original T&Cs
Not sure how to progres on this - I also want to query amount claimed as owing but thought this post was already too long & not too sure if I have explained it all clearly Thanks!
Took out a M&S Personal Reserve in 2000 - financial problems in 2002 and due to low income have been paying M&S very low monthly sum since then
Did a CCA & SAR some time ago - just got back almost illegible copy of application form/T&Cs - I recently missed a couple of payments due to illness so decided to write to M&S with a new CCA request explaining that previous docs were illegible and that copy T&Cs did not correspond with the application T&Cs.
Have now had letter with just reconstituted T&Cs dated 1998
M&S say they had complied with s78 & & with Reg 3(2)(b) of CC(Cancellation Notices and Copies of Docs Regs 1983 as they have provided a copy of the agreement I signed and that it is enforceable
The copy of the agreement is the almost illegible application form/T&Cs
but I can make out that there are some differences in the reconstituted T&Cs to the original T&Cs
Not sure how to progres on this - I also want to query amount claimed as owing but thought this post was already too long & not too sure if I have explained it all clearly Thanks!
