M&S store card turned credit card - what next?

[Mr $quandaŁot]

Re: M&S store card turned credit card - what next?

Update: letter received from Rockwell today: "Dear Sir, We are writing to confirm that we are no longer instructed to deal with this matter therefore our files have now been closed.

Any future queries relating to this account should be directed to Marks & Spencer Financial Services on..."

Never thought they would give up so easily as all I did was to challenged them and sent them Santander vs. Mayhew judgement, asking them to study it thoroughly before sending me any further correspondence!

[jon1965]

Re: M&S store card turned credit card - what next?

Well keep up the good work.
Have a glass of wine...but just glass mind you

[FlamingParrot]

Re: M&S store card turned credit card - what next?

Update: letter received from Rockwell today: "Dear Sir, We are writing to confirm that we are no longer instructed to deal with this matter therefore our files have now been closed.

EXCELLENT NEWS!!!
:cheer2::cheer2::cheer2:

Any future queries relating to this account should be directed to Marks & Spencer Financial Services on..."

Never thought they would give up so easily as all I did was to challenged them and sent them Santander vs. Mayhew judgement, asking them to study it thoroughly before sending me any further correspondence!

You can't go wrong with that strategy, can you? :grin: It obviously hit them where it hurts! Although the Mayhew judgment doesn't really set legal precedent per se, it would be hard to argue against it, when M&S did exactly the same, despite their comments to the contrary on the BBC news page dedicated to the judgment. This is what they are saying: :noidea:

Following the publication of this story, M&S Money said it had no doubt that the introduction the M&S credit card was carried out in accordance with the law. A spokeswoman said: "All customers that received the new M&S Credit Card were previously notified in writing of the changes to their terms and conditions. They also received a copy of these terms and conditions with their new card."

But this is just like any nordinary change of T&Cs, when they just write to you and tell you the T&Cs have changed and enclose a copy of the new terms, it's not quite the same as getting you to sign a new agreement for a new product. :nono:

Well keep up the good work.

The credit also belongs to the lovely lady who beat Satan's Den in the first place, as well as her legal team. :first:

Have a glass of wine...but just glass mind you

Surely this deserves a bit more than just the one glass... it's, by no means, the ultimate victory, but it's a step in the right direction and shows that telling them exactly where they went wrong, and using a judgment to back it up, does work!

We're having a drink for you!

[ODC]

Re: M&S store card turned credit card - what next?

Poor old M&S. They and people like the Leeds losers are being left with a shed load of debt thanks to their GREEEEEEEEED

[Mr $quandaŁot]

Re: M&S store card turned credit card - what next?

Looks like even debt purchasers get their fingers burnt on this card:

http://www.consumeractiongroup.co.uk...=1#post4195120

Looking good!

[pt2537]

Re: M&S store card turned credit card - what next?

Looks like even debt purchasers get their fingers burnt on this card:

http://www.consumeractiongroup.co.uk...=1#post4195120

Looking good!

i do believe that we had some involvement there too if my memory serves me correctly

[mystery1]

Re: M&S store card turned credit card - what next?

Yes they didn't like the direct references but my subtle approach remains

http://www.consumeractiongroup.co.uk...=1#post4062634

[ODC]

Re: M&S store card turned credit card - what next?

I hope OTR are not going to claim credit

[PlanB]

Re: M&S store card turned credit card - what next?

i do believe that we had some involvement there too if my memory serves me correctly

In which case I probably did too in an indirect way :wink:

[jon1965]

Re: M&S store card turned credit card - what next?

Big Ed Plan B lol

Of course they will claim credit, they always do, especially two plonkers who are "my good friends"

[Mr $quandaŁot]

Re: M&S store card turned credit card - what next?

Big Ed Plan B lol

Of course they will claim credit, they always do, especially two plonkers who are "my good friends"

Who are you referring to Jon?

[jon1965]

Re: M&S store card turned credit card - what next?

DX100uk and the want to be soldier Brigadier .

[FlamingParrot]

Re: M&S store card turned credit card - what next?

Yes they didn't like the direct references but my subtle approach remains

http://www.consumeractiongroup.co.uk...=1#post4062634

I've just seen this, having been away for a while, well done! :clap2: :clap2: :clap2:

While I can see their point of not allowing "commercial links or recommendations", acting for the consumer means informing us of relevant developments, such as relevant judgments in favour of the debtor, and you can't have a judgment without the names of the parties involved, how could you?

Posting an edited version of a judgment with some details removed as they did when Mayhew won in court a year ago, is no different from creditors supplying a made-up recon, when it comes to legal matters, accuracy is key.

I know of another debtor with an M&S storecard turned credit card, who has followed a different route when communicating with M&S and their appointed DCAs, and has had a lot more hassle than Mr $quandaŁot, who has taken a more direct approach, thanks to valuable input straight from the parties involved in the Mayhew case, :first: which has made all the difference. :yo:

There's hardly any point in dancing around the houses when you can go straight to the source, :grin: the good thing about this site is that we can do exactly that! :dance:

[Mr $quandaŁot]

Re: M&S store card turned credit card - what next?

Out of the blue received the following letter from Rockwell this morning:

"We write regarding the above mentioned account.

We regret the delay in responding to your previous correspondence, however in view of your comments referred this matter to our client. Your account was held from further contact whilst this was ongoing however it appears a letter may have been sent to you in error on 20 March 2013. If you have received thi correspondence, please disregard it. We offer our apologies for any confusion this may have caused you.

Whilst we note the contents of your letter dated 23 February 2013, we consider that the agreement for this credit card is enforceable as advised in our clients final response letter dated 23 November 2012. A copy of this is enclosed for your reference. Should you disagree with the contents of this letter, please provide us with full details so that we may investigate further.

We shall be grateful, therefore, if you will provide us with repayment of the outstanding sum of Ł10k++ within the next thirty days. If you are unable to afford full repayment at this time please provide us with your firm and realistic repayment proposals together with details of your income, expenditure, assets and liabilities. Please find enclosed a financial statement for you to complete and return to us within the above mentioned thirty day period."

The silly form asking my employers's details (well currently not employed), my car registration number etc. I think a complaint to OFT could be due?

Any advice what to respond as I'm not going around the circles with Rockwell?

[FlamingParrot]

Re: M&S store card turned credit card - what next?

Out of the blue received the following letter from Rockwell this morning:

"We write regarding the above mentioned account.

We regret the delay in responding to your previous correspondence, however in view of your comments referred this matter to our client. Your account was held from further contact whilst this was ongoing however it appears a letter may have been sent to you in error on 20 March 2013. If you have received thi correspondence, please disregard it. We offer our apologies for any confusion this may have caused you.

So now they are saying it was an 'error' to say they were no longer instructed? Sounds like M&S didn't want to deal with the matter either and told Rockwell to get back in there.

Update: letter received from Rockwell today: "Dear Sir, We are writing to confirm that we are no longer instructed to deal with this matter therefore our files have now been closed.

Any future queries relating to this account should be directed to Marks & Spencer Financial Services on..."

Never thought they would give up so easily as all I did was to challenged them and sent them Santander vs. Mayhew judgement, asking them to study it thoroughly before sending me any further correspondence!

I would just refer them to your previous letter saying nothing has changed since then, you never signed an agreement for a credit card, therefore M&S couldn't possibly have one, therefore there is no way this could be enforceable as they claim! :nono: