I submitted a claim to M and S almost 8 weeks ago and had no reference numbers or account numbers. I knew I had previously taken a loan with them in 1994/1995. After I submitted the claim they rang me to ask if I wanted them to consider a refund of ppi against my old chargecard as well. I advised that yes I did although I hadn't referenced this on my original claim as I hadn't even remembered it at the time. I heard nothing else until today and they have written to me to advise that I will get £3500 in full and final settlement in lieu of charge card and loan account mis sold ppi. They have also taken into consideration an earlier loan account that was replaced by the one I claimed for in the first place that I had totally forgotten about. They do reference an earlier charge card that I had with them in their offer letter and state that it was underwritten by Zenith and they have no details but if I can provide any they are happy to investigate further. I don't have any details and feel that the offer is very fair and they have investigated thoroughly so won't be pursuing this. Was very straight forward and transparent as they told me things I wasn't aware of.