well I've not heard that one before, how would they get all that on a little card?I found Mercers polite and just told them I counldn't talk to them while FOS was dealing with it and they passed it back to BC quite quickly.

I heard from FOS yesterday about M&S, they phoned to discuss the complaint. M&S could only provide application forms -no elements of an agreement at all. FOS do not get involved with any of that stuff, they don't look at enforcabality just the 'spirit' of it all. I borrowed the money, I should pay it back and it was a question of how. M&S will now accept reduced payaments, freeze interest and refund interest and penalities back to April which is what I asked for-they will however put a default on my credit file which was something I really wanted to avoid(and FOS supports them on this). I now have the chose and accepting the default until it slips off the radar in 6 years or go with one of 'those' companies.Huckster doesn't seem to think this will do any good and I can see his/her point, I wish I had a crystal ball!