M&S default - help

User_101122

Deleted_User said:

born_again said:

It was the Op that said they were unfair. I posted previously, that like you @ £12 (agreed fair charge) for missed payment, that it was more than a couple of months. Even including any interest.
So from the CC side, they were fair, as OP missed payments. 

OP just wanted some advice, rather than being constantly being shot down for their actions. I gave them some on a way forward, but tempered it with the most logical outcome.

Sure but you said he could have paid and complained about unfair charges, he could but he won't get anywhere. It's advice certainly, but doomed to failure as the FOS do not consider unfair charge complaints any more, they will check they were applied correctly and may ask the lender to consider it but they know they have no way to do anything more because of the court ruling.

@Fa@Deleted_User I think it was me that mentioned the FOS.  My rationale being M&S may back down rather than incur the FOS fee, however if as you say they are refusing charges complaints, it's another brick wall for the OP.

johnweir123

I'm of the understanding that the kind of charges complaints which will be dealt with are those where the lender has somehow charged more than the standard £12 a month. i.e. "a complaint about the amount".  Under £12 = no complaint, over £12 - would still be considered.  vis-a-vis just because charges are part of the complaint it does not mean any complaints involving charges would be automatically out of consideration. 

phillw

johnweir123 said:
I can't google other ways to pay my credit card bill if I'm only aware of the normal way. 

Are you saying that you reported to them that you were unable to login to your account and pay & they never once told you that there was an alternative way to pay?

Including a Direct Debit? Were you aware of Direct Debits?

Unless you can convince them that you thought you had paid the balance in full and they didn't inform you in writing to the contrary, then I'm not sure what you could actually complain about. By making a big fuss about not being able to log in, sounds like you knew that you owed them money and you thought you would win by just not paying it.

You can't short circuit a complaints procedure and then walk away owing money if you get nowhere.

johnweir123 said:

You're basically all saying credit card companies can mismanage customer accounts any way they want. 

If that's what you all really believe then fair enough. 

They don't appear to have mismanaged your account, they had a technical issue with giving you online access. However the T&C don't require them to give you online access.

Certainly I would have complained about it at the time, but if my arguments for why they should waive the fee fell on deaf ears then paying it and stopping using the card was your best option (technically a direct debit is always your best option).