My mother in law who is 84 years old with Dementia was somehow issued a credit note by M&S for £173. The family had no idea about this until we found it in a bag with Christmas cards we planned to help her write. My MIL can't remember either as her Dementia has deteriorated. The credit note was days out of date. I contacted M&S and was asked to write & enclose a photocopy of the credit note. Despite writing twice & explaining my Mother In Laws Dementia & the fact it was only days out of date, I got the same reply........ NO, CANNOT BE USED. Absolutely heartless. They would allow a loyal, elderly customer/pensioner with a severe illness loose all this money while they had already taken the goods back & probably resold them.