STRAIGHT TO THE POINT

MY M&S Bank credit card has worked well for years, but recently it has been declined in some shops. How long do credit cards usually last? J. A., by email. If you check the expiry dates on debit and credit cards, you will see that most tend to be valid for three years. Some may need to be replaced sooner if they are damaged. In your case, M&S says your card was deactivated due to a servicing error. It has sent you a replacement card and paid £50 into your account for the inconvenience. MY HUSBAND bought me a £ 1,590 Givenchy handbag from Selfridges in London for Christmas. It wasn’t right, and Selfridges agreed to accept the return by post as I live in Nottingham.

I sent it by recorded delivery and Selfridges signed for it on January 3. Yet I still haven’t received my money back. N. M., by email. SelfrIdgeS would say only that there had been a ‘breakdown in communication’ and that the matter had been resolved. you tell us the store called to apologise and offered an immediate refund, plus £15 to cover the postage cost, a £150 gift card and a voucher for afternoon tea for two in its restaurant.