once having a Marks and Spencer account, with a card, silly me,
i finally decided that it was a major rip off, the interest was usury,
however i paid the balance and cut up the card, no more M&S,
silly me, i received an invoice for 1p, some sort of joke i thought, so
went to M&S and told them so, no they said, it was outstanding,
so i offered them the penny then and there, as i had cut up the card,
can't accept the cash they said, so i had to write a cheque, which i duly did, for 1p, fecking idiots