Court Summons from Sigma re M & S credit Card

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Do you Have the default notice ?

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

Do you Have the default notice ?

M1

Yes M1 I do not sure how to get it online though but I can try when i get back from the dentist if it helps.
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

It all helps.

Don't forget to check on default charges and interest rates i asked about last night, if you can.

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

I have now found a 3rd set of terms and conditions consisting of 2 pages but different again to both the others I am getting a friend to scan them along with the DN.
Now going through statements for charges and interest will post up soon.
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Be handy if you knew where/when they came from.

Also the envelope from the default notice and if you know when exactly you received it.

Off out in a bit for an hour or so.

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

I have the envelope from the DN yes and know the exact date I received it.
I know where they came from it was in teh post from M&S but i have no way of knowing when except for the first 2 page version which came with the S78 response.
G

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

here are the copies of the 3rd set of T&Cs and both DNs http://s1284.beta.photobucket.com/us...ascal/library/
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Have you any idea when you got these terms or why? cover letters envelopes etc ?

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

Sorry M1 no idea except they were folded as if from a C5 envelope
G

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

I have found statements from march till september 2009 all showing interest around £200 + 3 showing a late payment charge of £12 and 1 showing late payment charge of £24 I am still looking for more statements
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

When you got the application instore was the back blank ? i.e. just a white piece of paper with no writing, pictures or anything at all ?

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

yes totally blank
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Can you type up all the info below "please sign below" on the application form please ? (number 9 from your terms and conditions photo selection)

M1

[gallahad]

Re: Court Summons from Sigma re M & S credit Card

The words are very unclear but this is my daughters best attempt and here eyes are better than mine.
Data Policy
Before granting credit we will search the files of one or more credit reference agencies who will supply us with credit information from the electoral register. These agencies will keep a record of the search, whether or not this application proceeds and this information may be used by other lenders in assessing applications for credit by you and those with whom you are linked financially and or for debt ?????? We may make periodic searches of credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or continue to extend existing credit. the searches will not be seen or used y lenders to assess your ability to obtain credit. Your name, address and date of birth will not be made available to companies outside the Marks and Spencer Group for marketing purposes, although the data may be held by the Marks and Spencer group or by approved organisations which may include Insurance companies in order to maintain your account, for testing, monitoring, training and to process your Account, and :In respect of Insurance products, for underwriting and claims handling. We may disclose any information relating to any account where in our reasonable opinion this is necessary for the prevention of fraud or money laundering or we have a legal obligation to disclose it to any person making the request. We may check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this. we may share this information within the Group and with other organisations to make decisions about you or anyone financially associated with you for credit or Insurance purposes. You declare that you are entitled to disclose information about anyone else referred to by you and authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you. We will link applications and/or any individual identified as your financial partner, at credit reference agencies, which will link your financial records. Thereafter each other's information may e taken into account in future applications by either or both of you. This linking will continue until one of you successfully files a 'disassociation' at the credit reference agencies. Please note that calls and electronic communication may be recorded for the purposes of monitoring, training and dispute resolution. You have the right to ask for a copy of the information we hold on you and to have any inaccuracies corrected. The Marks and Spencer Group may use your details to send you information about other goods and services or for research purposes.
If you prefer not to receive such information/research please tick the box
I confirm the information that I have given to be here is true and correct. I understand that at its sole discretion Marks and Spencer Financial services plc may decline to issue me with a "&more" Credit Card, or subsequently cancel it.
Your right to cancel
Once you have signed this agreement, you will have, for a short time a right to cancel. Exact details of how and when you can do this will be sent to you by post by the creditor.
(In the signature box it says)
This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.

I think the sentence about your right to cancel proves that no terms and conditions were included in this document?!!
G

[mystery1]

Re: Court Summons from Sigma re M & S credit Card

Do either of the default notices have their name and address and your account number on them ?

M1