Mis selling of credit cards

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Hogieone
Hogieone Posts: 1 Newbie
in Stoozing: free cash from credit cards
After the PPI mis advice payouts, is there going to be a claim for being bullied into the use of credit cards and the way banks base credit ratings on the use of credit cards?. I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    No.

    The choice to spend - and whether you repay - on a credit card is yours and yours alone.
  • k3lvc
    k3lvc Posts: 4,174 Forumite
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    Hogieone wrote: »
    I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

    You can't sue for temptation :rotfl:
  • IAmWales
    IAmWales Posts: 2,024 Forumite
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    Did you not have a bin to put said letters in, or perhaps a recycling box?
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Could have put it on the card...
  • pogofish
    pogofish Posts: 10,852 Forumite
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    What's the Stooze here?
  • DCFC79
    DCFC79 Posts: 40,598 Forumite
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    Hogieone wrote: »
    After the PPI mis advice payouts, is there going to be a claim for being bullied into the use of credit cards and the way banks base credit ratings on the use of credit cards?. I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

    Im afraid the banks dont base anything on credit ratings since the credit ratings areonly seen by us, us being the customers/ Joe Public.

    Why couldnt you just shred the address on the letter and recycle the rest ?

    Do you not have any self control ?


    I fear for some folk in this country/world, no self control.
  • minneloon
    minneloon Posts: 7 Forumite
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    Today my new B card arrived - I didnt ask for it, never heard of it. Lots of bumpf - not a mention of interest rate, credit limit - just you can use this everywhere its a credit and debit card - you dont even need an account - just a mobile gadget. Is this for real? Ive spent 20 years working with folk in bad debt situations - but not come across this before. No credit check - card all made out in my name..!!!!!!?
    Anyone else had one drop through the letter box? Is this legal? Is this moral?
  • molerat
    molerat Posts: 31,856 Forumite
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    Do you have a Clydesdale / Yorkshire account ?
  • IAmWales
    IAmWales Posts: 2,024 Forumite
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    minneloon wrote: »
    Today my new B card arrived - I didnt ask for it, never heard of it. Lots of bumpf - not a mention of interest rate, credit limit - just you can use this everywhere its a credit and debit card - you dont even need an account - just a mobile gadget. Is this for real? Ive spent 20 years working with folk in bad debt situations - but not come across this before. No credit check - card all made out in my name..!!!!!!?
    Anyone else had one drop through the letter box? Is this legal? Is this moral?

    B is Yorkshire Bank. If you didn't request it you should contact them, as well as checking your credit file for signs of fraud.
  • molerat
    molerat Posts: 31,856 Forumite
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    And is it a real card or one of those advertising campaigns ?
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