m & s money reclaim

wilf55

have been happily paying £1 per month by agreement to m & s credit card due to change in circumstances

wrote to them asking for list of charges and copy of original form that i signed etc

i got a letter demanding £3500 ish the full balance and a copy of the form i signed with lots of info not completed

no employers details
no document reference ie the id that i supplied at the time although the box for credit/debit id was ticked
there was also a copy of the terms and conditions which were ineligiable a really bad photocopy which is blurred and i cant read at all

what should i do

i cant afford the minimum payments due to seperation less hours at work etc and hence the £1 per month payments which i have kept to for over a year now trying to show then inability rather than not wanting to pay

anyone any advice

thanks in advance

the letter was rather abrupt threatening further action etc

wilf55

anyone? any advice opinions gratefully received

thanks

Cookiebean2

Hi

I had the same problem with M & S Money, I only requested details of charges and they sent me a copy of my agreement with a photocopy of the current monthly statement just showing the small balance which is owing.

I wrote back to them stating that they had not provided the information from my original request and if they did not sent it I would be reporting them to the Information Commisioner.

Within 7 days I had received the charge details so perhaps you could write back again.

I hope this helps

wilf55

thanks

i just rang them they said my £1 payments are up to date and the letter asking for th full balance of £4000 was a system generated letter which it was not because it had answered a question i had asked them !!!

liars!!

they told me to just carry on paying £1 month got his name

asked for statements they will send them in a couple of weeks

is there anything i can do anyone

shall i write and threaten them with the information commissioner

thanks guys