Credit card - Financial Ombudsman

December14

Ben8282 wrote: »

You made a section 75 claim in respect of a purchase made using your M$S card. You received no reply in respect of this claim but instead of replying to you M&S cancelled your card without warning causing you embarrassment at a check out.
Obviously there may be no connection between the two events. It may well be that the conduct of your account was such or the info contained in the feeds received from the CRA's was such, that M& made the decision that they did not want you as a customer any more and therefore cancelled the card without warning. This usually occurs when the issuer gets panicked and needs to stop you running up any more debt on the card or fraud is suspected.
Equally the events may have been connected which would imply that there was something very wrong, possibly fraudulent, about the section 75 claim. Perhaps if you were to give us more details about the nature of this section 75 claim .....
Presumably you called M&S after these embarrassing incidents at check-out's. What did they say? Did they offer any explanation of any sort for the cancellation of your card? Before you go complaining to M&S, the Financial Ombudsman or anybody else, these questions need to be addressed so that you don't waste any more of your time or make a fool of yourself.

Thank you - M&S have said they had 'mail returned to sender' and the address need verifying; card was usable after this.

brianposter

December14 wrote: »

Thank you - M&S have said they had 'mail returned to sender' and the address need verifying; card was usable after this.

Sounds like they did reply to your section 75 claim and what you need is another copy of that reply.