2024 05 21 - Statement

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MR HEDLEY R BATCHELOR Account Number:


14 GRASSY CLOSE 1005 1030 3150 0536
HEMEL HEMPSTEAD Statement Date:
HERTS 21 May 2024
HP1 3QR Credit Limit:
£10200

Your M&S Credit Card Statement


Date Date of
Applied Transaction Description Amount
Balance from previous statement £1,210.26
23 Apr 24 23 Apr 24 Hpi Instant Ink Uk Www.Hp.Com Gbr £1.49
23 Apr 24 22 Apr 24 ))) Boat Berkhamsted Berkhamsted Gbr £4.70
23 Apr 24 22 Apr 24 ))) Boat Berkhamsted Berkhamsted Gbr £10.00
23 Apr 24 22 Apr 24 ))) Jojo - Berkhamsted Berkhamsted Gbr £28.00
24 Apr 24 24 Apr 24 Apple.Com/Bill Apple.Com/Bil Irl £0.99
24 Apr 24 23 Apr 24 ))) Co-Op Group 180260 Warners End Gbr £2.62
24 Apr 24 23 Apr 24 Amazon* 204-0946121-81 London Lnd £28.72
24 Apr 24 23 Apr 24 Jojo Next Tp Leicester Gbr £52.00
25 Apr 24 24 Apr 24 ))) Tesco Stores 3343 Warners End Gbr £4.00
25 Apr 24 24 Apr 24 Amazon* 204-9943432-17 London Lnd £2.49
25 Apr 24 24 Apr 24 Sainsburys S/Mkts Apsley Mills Gbr £89.04
26 Apr 24 25 Apr 24 ))) Chegos Wine Bar Newbury Gbr £72.00
26 Apr 24 25 Apr 24 ))) West Berkshire Dc Newbury Gbr £3.90
26 Apr 24 25 Apr 24 ))) Mcdonalds 768 Newbury Gbr £6.47
26 Apr 24 25 Apr 24 ))) Marks&Spencer Plc Saca Hemel Hempste Gbr £7.00
26 Apr 24 24 Apr 24 ))) Practitioner Hertford Gbr £58.90
27 Apr 24 26 Apr 24 IAP J D Wetherspoon Plc Watford Eng £4.89
27 Apr 24 26 Apr 24 ))) Hemel Hempstd Sst Westmidstrain Gbr £16.15
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27 Apr 24 26 Apr 24 IAP J D Wetherspoon Plc Watford Eng £18.80


27 Apr 24 26 Apr 24 ))) Hemel Hempstd Sst Westmidstrain Gbr £16.15
29 Apr 24 27 Apr 24 ))) Tesco Stores 3343 Warners End Gbr £4.25
29 Apr 24 27 Apr 24 Marks&Spencer Plc Internet Gbr £77.00
01 May 24 30 Apr 24 ))) Sainsburys S/Mkts Apsley Mills Gbr £19.25
01 May 24 30 Apr 24 ))) Boat Berkhamsted Berkhamsted Gbr £49.80
01 May 24 01 May 24 ))) Clarks Hertfordshire Gbr £28.00 M&S
01 May 24 30 Apr 24 Sainsburys S/Mkts Apsley Mills Gbr £240.81
01 May 24 01 May 24 Payment - Thank You £2,000.00CR
points total
02 May 24
02 May 24
01 May 24
01 May 24
))) Workman Llp Client Re St Albans Gbr
))) Marks&Spencer Plc Saca St Albans Gbr
£5.00
£39.50
1498
02 May 24 01 May 24 ))) Wagamama St Albans St Albans Eng £62.00
Continued on next page see overleaf for further details

Page 1 of 4

bank giro credit


*Amount Due
Reference Credit account number Standard Fee Payable at PO Counter

135 1005 1030 3150 0536 225 5820


CHEQUE ACCEPTABLE
32
Cashiers stamp and initials Signature/Date _______________________________________________________________

MR HEDLEY R BATCHELOR Total Cash


Total Cheques
14 GRASSY CLOSE
and P.O.
HEMEL HEMPSTEAD
HERTS 25-58-20
HP1 3QR
Barclays Bank Plc
Automated Bulk Credit Clearing
M&S Bank 05 2984.10 74.60
Bank A/C Number 90908088
20-20-44
Important - Do not print or copy this counterfoil. Do not fold, mark or write below this line.

1005103031500536 A4322255820 91 X
%MAIL_BARCODE
MR HEDLEY R BATCHELOR Account Number:
14 GRASSY CLOSE 1005 1030 3150 0536
HEMEL HEMPSTEAD Statement Date:
HERTS 21 May 2024
HP1 3QR Credit Limit:
£10200

Your M&S Credit Card Statement


Date Date of
Applied Transaction Description Amount
Continued from previous page
03 May 24 02 May 24 ))) Aldi Aldi 776 173 Gbr £36.57
03 May 24 02 May 24 ))) Sainsburys S/Mkts Apsley Mills Gbr £40.98
03 May 24 02 May 24 ))) Texvgmerchants Hp39pg 259801 Gbr £53.72
04 May 24 03 May 24 ))) Hatchet Inn Newbury Gbr £1.56
04 May 24 03 May 24 West Berkshire Dc Newbury Gbr £5.20
04 May 24 03 May 24 ))) The Ugly Duckling Pott Newbury Rg14 Eng £11.98
04 May 24 03 May 24 The Ugly Duckling Pott Newbury Rg14 Eng £55.96
04 May 24 03 May 24 ))) Bills - Newbury Newbury Gbr £97.76
06 May 24 03 May 24 ))) Texvgmerchants Hp39pg 259801 Gbr £42.62
06 May 24 05 May 24 ))) Tesco Stores 3343 Warners End Gbr £3.55
06 May 24 05 May 24 ))) Boots 0739 Hemel Hempste Gbr £34.40
07 May 24 06 May 24 ))) Tesco Stores 3343 Warners End Gbr £16.80
07 May 24 06 May 24 Amazon* 204-2789260-86 London Lnd £36.16
08 May 24 07 May 24 ))) Tesco Stores 3343 Warners End Gbr £12.00
08 May 24 07 May 24 ))) Wickes Hemel Hempstead Hemel Hempste Gbr £78.00
09 May 24 08 May 24 ))) Tesco Stores 3343 Warners End Gbr £1.85
09 May 24 09 May 24 ))) Dunelm Soft Furnishin Leicester Gbr £5.00
09 May 24 08 May 24 Amazon* 204-7888400-28 London Lnd £13.99
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10 May 24 09 May 24 ))) Hemel Smile Studios Hemel Hempste Eng £26.80
10 May 24 09 May 24 ))) Poundland Ltd - 1076 Hemel Hempste Hrt £5.25
10 May 24 09 May 24 ))) The Entertainer 112 Hemel Hempste Gbr £28.40
10 May 24 09 May 24 ))) Aldi Aldi 776 173 Gbr £39.92
10 May 24 10 May 24 ))) Clarks Hertfordshire Gbr £40.00
10 May 24 09 May 24 Amazon* 204-0837084-35 London Lnd £54.99
10 May 24 09 May 24 Sainsburys S/Mkts Apsley Mills Gbr £200.43 M&S
11 May 24 10 May 24 ))) Workman Llp Client Re St Albans Gbr £3.00 points total
11 May 24 10 May 24 Marks&Spencer Plc Internet Gbr £44.00
13 May 24
13 May 24
12 May 24
11 May 24
))) Curry Garden Berkhamsted Gbr
))) Co-Op Group 180260 Warners End Gbr
£71.00
£10.70
1498
Continued on next page
see overleaf for further details

Page 2 of 4

Simple ways to stay in control of your account


• Always check your statement carefully and call us if anything looks suspicious.
• You can keep track of your balance between statements by managing your account online. Just visit
marksandspencer.com/bank.
• Paying by Direct Debit means you won t incur extra charges for missed or late payments. If you haven t already
done so, you can set this up online or by calling us on 0345 900 0900.

Some handy hints and tips for your card safety


• Make sure your contact details are up to date so we can contact you if we re suspicious of
any activity on your account
• Keep statements and receipts in a safe place and take care when disposing of them
• Memorise your PIN and don t write it down anywhere - especially on anything in your purse/wallet
• Never tell anyone your PIN or give anyone your card - we would never ring you to say we
were coming to pick up your cards and neither would the police

For more information on card security visit marksandspencer.com/card-fraud-protection


%MAIL_BARCODE
MR HEDLEY R BATCHELOR Account Number:
14 GRASSY CLOSE 1005 1030 3150 0536
HEMEL HEMPSTEAD Statement Date:
HERTS 21 May 2024
HP1 3QR Credit Limit:
£10200

Your M&S Credit Card Statement


Date Date of
Applied Transaction Description Amount
Continued from previous page
13 May 24 12 May 24 ))) Co-Op Group 180260 Warners End Gbr £14.05
14 May 24 13 May 24 ))) Poundland Ltd - 1076 Hemel Hempste Hrt £4.00
14 May 24 13 May 24 Easyjetk7fjdbv Www.Easyjet.C Gbr £80.47
14 May 24 13 May 24 Voyage Prive Uk Om London Gbr £1,192.00
15 May 24 13 May 24 Vitaltrack 07743718857 Gbr £58.99
16 May 24 15 May 24 Www.Windsorgreatpark.C Internet Gbr £43.00
17 May 24 16 May 24 Sainsburys S/Mkts Apsley Mills Gbr £190.95
18 May 24 17 May 24 ))) Halfords 0728 Hemel Hempste Gbr £16.00
18 May 24 17 May 24 ))) Benugo Ltd -Savill Gar Egham Gbr £19.70
20 May 24 19 May 24 IAP J D Wetherspoon Plc Watford Eng £5.98
21 May 24 20 May 24 ))) Boat Berkhamsted Berkhamsted Gbr £20.00
21 May 24 20 May 24 Sp Fullers Beer Colt London Lnd £60.50
21 May 24 20 May 24 Amazon* 204-0466877-66 London Lnd £16.99
21 May 24 20 May 24 ))) Boat Berkhamsted Berkhamsted Gbr £24.70

Present balance £2,984.10


Available to spend £7,215.90
Minimum payment £74.60
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Payment due date 15 June 2024


If you do not pay off the full amount outstanding, we will allocate your
payment to the outstanding balance in a specific order, which is set out on
the reverse of this statement. The way in which payments are allocated can
make a significant difference to the amount of interest you will pay until the
M&S
balance is cleared completely. points total
Estimated Interest Amount £83.94 (Please see over for explanation). 1498
see overleaf for further details

Page 3 of 4
%MAIL_BARCODE
MR HEDLEY R BATCHELOR Account Number:
14 GRASSY CLOSE 1005 1030 3150 0536
HEMEL HEMPSTEAD Statement Date:
HERTS 21 May 2024
HP1 3QR Credit Limit:
£10200

Your M&S Credit Card Statement


RATES OF INTEREST
Balance Plan p.a. (effective rate) Monthly calculation rate
CASH ADVANCES 27.9% 2.075%
PURCHASES AND CHARGES 24.9% 1.873%

Minimum payments
If you make only the minimum payment each month, it will take you longer
and cost you more to clear your balance.
If the account is not fully cleared, interest will be charged on the total value
of the statement and not just on the outstanding balance. Interest is charged
daily and therefore the earlier we receive your payment the less interest you
will be charged.
If you are unable to make the minimum payment please contact us as soon
as possible by calling 0345 900 0900.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in
the first instance. If you are not happy with the way in which we handled your
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complaint or the result, you may be able to complain to the Financial


Ombudsman Service. If you do not take up your problem with us first you will
not be entitled to complain to the Ombudsman. We can provide details of
how to contact the Ombudsman.
M&S
points total
1498
see overleaf for further details

Page 4 of 4
M&S Credit Card statement summary box Using your card abroad
The information contained in this table summarises key product features and is not intended If you would like to know more about how the cost of making card transactions within the EU
to replace any terms and conditions. compares to the foreign exchange rate(s) issued by the European Central Bank, please go to:
marksandspencer.com/OverseasPayments
Interest-free • Maximum 55 days for purchases when you pay your balance in full every How interest is charged
period On purchases
month by the due date
We don’t charge interest on purchases if you pay your balance in full by the due date (and
• No interest-free period on balance transfers and cash advances you’ve also paid the previous month’s balance in full by that due date). If you do not pay the
Interest You will not pay interest on purchases if you pay your balance in full and on balance in full, we charge interest on all transactions from the date they were added
charging time each month. Otherwise, the period over which interest is charged will to the account (not just on the unpaid balance).
information be as follows: On cash transactions and balance transfers
Cash transactions include cash advances, Direct Debits, standing orders, travellers’ cheques,
From Until
foreign currency and any cash substitutes.
Purchases, cash advances Date debited to your Paid in full Interest will be charged from the date each transaction is added to your account, even if you
and balance transfers account pay the balance in full each month, until the transaction (including interest) is paid in full.
Allocation of If the amount you pay in a month is less than the full amount you owe, we Estimated interest
payments will apply your payment first to any unpaid arrears or amounts over the This is an estimate of the interest you’ll have to pay next month. It assumes: 1) you only pay
credit limit. the minimum due, 2) you pay on the due date, 3) you have no more balance transfers or
We apply what is left in this order: cash advances before your next statement, 4) you don’t change your statement date, and 5)
(a) up to the minimum payment; your interest rate doesn’t change. Remember, if you make only the minimum payment each
(b) to the rest of the amount you owe us and shown in your statement; month it will take you longer and cost you more to clear your balance.
(c) to any transactions, interest or charges not yet included in a Daily interest
statement. Interest is charged on a daily basis, so the amount of interest payable will increase the longer
We will apply your payment first to amounts on your account which we payment is delayed, even if payment is made before the due date. Payments will take effect
charge at the highest interest rate followed by amounts we charged at when they are actually received by us as cleared funds.
lower rates. In each case, interest and charges are paid off first. Recurring transaction
If some amounts are charged at the same interest rate, we will apply your A recurring transaction, sometimes called a continuous payment authority, is a series
payment to the oldest amounts first. of payments collected with your agreement from your card by a retailer or supplier (for
Minimum If you entered into your A. 2.5% of the full amount you owe as example, insurance cover). This is an agreement between you and the retailer. The Direct
repayment agreement with us shown on your monthly statement Debit Guarantee does not cover these transactions. If you wish to cancel a recurring
before 23 March 2011 the (including interest and charges) transaction, you can do this with the retailer or with us. If you contact the retailer you will also
minimum payment will be B. £5 be able to deal with the agreement you have with them. This should ensure the retailer will
the higher of: not collect any further payments. If they do we will treat these as unauthorised. If we miss
any of the cancelled transactions, please contact us.
If you entered into your A. The sum of (a) interest for the period from How much to pay and when
agreement with us from 23 the last statement, (b) any default charges, You may pay any amount from the minimum payment to the full balance on your statement.
March 2011 onwards, the and (c) 1% of the full amount you owe as Please ensure your payment reaches us by the due date, shown overleaf, or a charge may be
minimum payment will be shown on your monthly statement (not made in accordance with your terms and conditions. Any amount overdue or overlimit must
the higher of: including interest and default charges) be paid immediately. All payments will only take effect when they are actually received by us
B. 2.5% of the full amount you owe as shown as cleared funds.
on your monthly statement (including If you are experiencing financial difficulties and cannot meet your repayments or your
interest and charges) payment due date is unsuitable, please call us on 0345 900 0900.
C. £5
Checking your statement
Credit limit Minimum credit limit £500 Please keep all vouchers and till receipts when you use your card(s) and check them against
your monthly statement. The name and place description shown on your statement may not
Maximum credit limit Subject to status
match what is on the voucher, so please remember items you’ve ordered by post, phone or
Fees No annual fee the internet.
If there’s a transaction on your statement which you believe is incorrect, please notify
Charges Cash fee 2.99% handling fee, minimum £3 us straight away by calling 0345 900 0900.

Balance transfers The charge will be set out in any offer made to you M&S points
M&S points may be credited after your statement date so may not match your transactions
Foreign Payment Scheme Mastercard rates can be found at: mastercard.co.uk/ overleaf. This total includes points earned from all your M&S Bank products.
usage Exchange rate: en-gb/consumers/get-support/convert-currency. Dispute resolution
html If you have a problem with your agreement, please try to resolve it with us in the first
instance. If you are not happy with the way in which we handled your complaint or the result,
One or more of the following may apply:
you may be able to complain to the Financial Ombudsman Service. If you do not take up
Non-sterling 2.99% of the sterling amount of the transaction your problem with us first you will not be entitled to complain to the Ombudsman. We can
transaction fee provide details of how to contact the Ombudsman.
Cash fee 2.99% handling fee, minimum £3 How to contact us
Customer Services team

Default fees For paying late £12 Call 0345 900 0900 8am-8pm, 7 days a week. Please note that to maintain our service
For going over your credit limit £12 standards we may monitor and/or record telephone calls.
If your name or address has changed, please call our Customer Services team using the
For payments which are returned unpaid £12
number above.
For enforcing repayment, including legal and Our reasonable costs Contact address
tracing costs M&S Bank, PO Box 10565, 51 Saffron Road, Wigston LE18 9FT. marksandspencer.com/bank
Lost or stolen cards
Call 0800 085 2411 (UK) 24 hours, 7 days a week, +44 1244 879080 (outside the UK)

Please call 0345 900 0900 if you would like to receive this information in an alternative format such as large print, Braille or audio.
M&S Bank is a trading name of Marks & Spencer Financial Services plc and is established and has its registered office at Kings Meadow, Chester, CH99 9FB. We are a financial services organisation
and banking institution authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services
Register number is 151427.
You can check these details by visiting the Financial Conduct Authority website fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768. The Financial Conduct Authority is
the supervisory authority under the Consumer Credit Act 1974. Its address is 12 Endeavour Square, London, E20 1JN. Marks & Spencer is a registered trademark of Marks and Spencer plc and is
used under licence. © Marks & Spencer Financial Services plc 2022. All rights reserved.

Ways to pay
By Direct Debit In-store till point
You can set up a monthly Direct Debit through Internet Banking or by visiting our website You can pay by debit card at till points in most M&S stores. Simply present your card and
marksandspencer.com/waystopay and completing the Direct Debit form available there. You statement along with your payment at selected till points.
can make the minimum payment, pay a fixed amount or pay the full statement balance each It’ll take up to 2 working days for your payment to reach your account.
month – just choose the option which suits you best. Please continue to pay in your usual
way until you see your first Direct Debit payment appear on your statement. Visit HSBC or any High Street bank
Simply fill out the credit card payment slip and take it with your statement to any bank
By our digital banking services displaying the Mastercard or Visa sign. Your statement will be stamped as proof of payment
You can make a payment via Internet Banking or the M&S Banking App* any time you want but please note that a charge may be made if payment is not made at a branch of your own
to pay, whenever it suits you. Visit www.marksandspencer.com/internetbanking for more bank. Please also take a form of photographic ID with you.
information.
It’ll take up to 5 working days for your payment to reach your account.
Payment directly from your own bank’s online or automated telephone service
You should quote our bank details, sort code 40-12-57 and account number 59001115, with Please note gift vouchers/gift cards, credit vouchers and loyalty vouchers are not accepted
your 16-digit M&S Credit Card number as a reference. You can also set up a fixed payment or forms of payment. If a payment is made using the wrong sort code, account number or
standing order with your bank quoting our bank details. reference information there may be a delay before the account is credited or it may not be
received at all.
By fixed payment/standing order
As a reference, quote your account number (without the spaces) found on the front of this
statement, then quote the M&S Bank account number 59001115 and sort code 40-12-57.
Your payment will reach your account within approximately two hours.
­
*Available on compatible devices

Payment address PO BOX 349, Sheffield, S98 1EQ. Please do not fold this counterfoil or mark or write below this line MSB9550-01 CMT0318/R

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