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  • FIRST POST
    • mark5211
    • By mark5211 10th Nov 15, 6:06 PM
    • 177Posts
    • 79Thanks
    mark5211
    Cancelling Post Office Credit Card - Postal Address?
    • #1
    • 10th Nov 15, 6:06 PM
    Cancelling Post Office Credit Card - Postal Address? 10th Nov 15 at 6:06 PM
    Tried telephoning to cancel my Post Office Credit Card and on two occasion's I've been told that their 'system is down' and the address I need to cancel is on my statement,


    As I've not used the card for 2 years I don't have any statements and I'm really finding it difficult to find an address to send my cancellation letter too,


    The only address I can find is from 2010:


    Post Office Financial Services
    PO BOX 52746
    London
    EC4P 4WP


    Could anyone kindly confirm that this is the correct address to send my letter too?


    Thanks.
Page 1
    • eskbanker
    • By eskbanker 10th Nov 15, 6:43 PM
    • 5,609 Posts
    • 5,442 Thanks
    eskbanker
    • #2
    • 10th Nov 15, 6:43 PM
    • #2
    • 10th Nov 15, 6:43 PM
    According to clause 9 of the product Ts & Cs linked from http://www.postoffice.co.uk/credit-card, the postal payment option, which is presumably what's printed on the statements, is
    By post: Complete the payment slip on your monthly statement and post it with a cheque/Postal Order made payable to ‘Bank of Ireland’. Please remember to write your credit card Account number on the reverse of the cheque and post it to Post Office Money Credit Cards, PO Box 897, Belfast, BT1 9AE
    • Malcnascar
    • By Malcnascar 10th Nov 15, 6:45 PM
    • 1,151 Posts
    • 1,283 Thanks
    Malcnascar
    • #3
    • 10th Nov 15, 6:45 PM
    • #3
    • 10th Nov 15, 6:45 PM
    This was the address in the T&C's that i used to withdraw during the 14 day cooling off

    Post Office Money
    Credit Cards
    PO Box 52746
    London
    EC4P 4WP

    I got a reply confirming they had cancelled the card.
    • mark5211
    • By mark5211 10th Nov 15, 6:56 PM
    • 177 Posts
    • 79 Thanks
    mark5211
    • #4
    • 10th Nov 15, 6:56 PM
    • #4
    • 10th Nov 15, 6:56 PM
    Thanks for your help Ill try sending it too:


    Post Office Money
    Credit Cards
    PO BOX 52746
    London
    EC4P 4WP


    Just wondered if they might have changed address since 2010, extremely difficult account to close though!
    • Dubstar71
    • By Dubstar71 31st Jul 16, 12:13 PM
    • 1 Posts
    • 3 Thanks
    Dubstar71
    • #5
    • 31st Jul 16, 12:13 PM
    Can do this by phone.
    • #5
    • 31st Jul 16, 12:13 PM
    I just cancelled my Post Office Credit Card over the phone.
    0117 373 3861
    A letter of confirmation will be posted out to me in 3-5 working days.
    • gardener ruth
    • By gardener ruth 14th Apr 17, 3:19 PM
    • 44 Posts
    • 21 Thanks
    gardener ruth
    • #6
    • 14th Apr 17, 3:19 PM
    • #6
    • 14th Apr 17, 3:19 PM
    I just managed to cancel mine on the phone too. Same number as previous post.
    • Voyager2002
    • By Voyager2002 14th Apr 17, 3:48 PM
    • 11,594 Posts
    • 7,848 Thanks
    Voyager2002
    • #7
    • 14th Apr 17, 3:48 PM
    • #7
    • 14th Apr 17, 3:48 PM
    Why do people want to cancel one of the few credit cards that gives a perfect exchange rate for international transactions? Could it be something to do with their, erm, original approach to customer service?
    • Weybridge78
    • By Weybridge78 15th Apr 17, 2:38 AM
    • 76 Posts
    • 24 Thanks
    Weybridge78
    • #8
    • 15th Apr 17, 2:38 AM
    • #8
    • 15th Apr 17, 2:38 AM
    Pathetic customer service and general administration perhaps.
    • tomcoady
    • By tomcoady 10th Jun 17, 5:18 PM
    • 5 Posts
    • 352 Thanks
    tomcoady
    • #9
    • 10th Jun 17, 5:18 PM
    • #9
    • 10th Jun 17, 5:18 PM
    Why do people want to cancel one of the few credit cards that gives a perfect exchange rate for international transactions? Could it be something to do with their, erm, original approach to customer service?
    Originally posted by Voyager2002
    • 4/5/17 statement balance £10.48 payable by 19/5/17
    • I was away from home this entire 2 weeks, but saw it was time to setup payment by direct debit which was acknowledged on 5/6/17 by email, then by letter 6/6/17 which arrived 10/6/17
    • On 2/6/17 Post Office Money wrote a snail mail setting out late payment fee of £12 payable by 31/5/17, received on 9/6/17.
    • I phoned immediately to pay the whole balance of £120 by credit card as they claim they can't take payment by direct debit for some reason.

    When I asked to close the account they said this wasn't possible until 12/6/17 as they needed to wait for clearance of funds paid by debit card!! When I suggested they do just that on 12/6 they insisted it was only possible to close the account on same day it was requested.

    They also said the rules obliged them to ask me if I was in any financial difficulty. Well only the fact that the late payment fee exceeded the amount owed.

    I understand the Bank of Ireland runs this entire fiasco, maybe explaining the 7 day delay of their postal correspondence. Also love the way they force you to enter the 16 digit card number to the automatic reply bot only to ask the same information when speaking to one of their charmless drones.

    Instead of inviting me to pay the balance due, their online portal just let me setup direct debit instead when it had already sent the late payment fee.

    Hope this rant helps others considering using their service which is in itself a swizzle as the fee free FX is paid for by really lousy exchange rates.
    • bigadaj
    • By bigadaj 10th Jun 17, 5:57 PM
    • 10,329 Posts
    • 6,626 Thanks
    bigadaj
    • 4/5/17 statement balance £10.48 payable by 19/5/17
    • I was away from home this entire 2 weeks, but saw it was time to setup payment by direct debit which was acknowledged on 5/6/17 by email, then by letter 6/6/17 which arrived 10/6/17
    • On 2/6/17 Post Office Money wrote a snail mail setting out late payment fee of £12 payable by 31/5/17, received on 9/6/17.
    • I phoned immediately to pay the whole balance of £120 by credit card as they claim they can't take payment by direct debit for some reason.

    When I asked to close the account they said this wasn't possible until 12/6/17 as they needed to wait for clearance of funds paid by debit card!! When I suggested they do just that on 12/6 they insisted it was only possible to close the account on same day it was requested.

    They also said the rules obliged them to ask me if I was in any financial difficulty. Well only the fact that the late payment fee exceeded the amount owed.

    I understand the Bank of Ireland runs this entire fiasco, maybe explaining the 7 day delay of their postal correspondence. Also love the way they force you to enter the 16 digit card number to the automatic reply bot only to ask the same information when speaking to one of their charmless drones.

    Instead of inviting me to pay the balance due, their online portal just let me setup direct debit instead when it had already sent the late payment fee.

    Hope this rant helps others considering using their service which is in itself a swizzle as the fee free FX is paid for by really lousy exchange rates.
    Originally posted by tomcoady
    They do seem to have a crap set up, I don't know as I've avoided using them, but all the above is self inflicted.

    You missed a payment, set up a direct debit after the event, which is fine but obviously can't be done retrospectively and were charged a fee. Can't se anything wrong with that from the card providers perspective, if you can't be organised to use credit responsibly then don't avail yourself of it.
    • fromdusktilldawn
    • By fromdusktilldawn 10th Jun 17, 6:16 PM
    • 13 Posts
    • 7 Thanks
    fromdusktilldawn
    Bad customer service for me too
    I accidentally paid them twice, which took me into credit. I phoned and asked them to return the overpayment but I was advised to contact my own bank and ask them to reverse the payment.
    'Why would I do that, when I made a mistake ?' I asked them and they said that was the only way to do it.
    I decided to close the card there and then as I had only used it for the 0% interest free facility and they did this over the phone.

    I also made a complaint but there has been no follow up whatsoever.

    I called my bank and asked them theoretically what they would have done if I asked them to reverse a payment that I made by mistake. They confirmed my understanding that they wouldnt reverse a payment that was my mistake.

    Dreadful customer service - and the advisor was quite aggressive too.
    • wiseonesomeofthetime
    • By wiseonesomeofthetime 11th Jun 17, 1:36 PM
    • 103 Posts
    • 49 Thanks
    wiseonesomeofthetime
    I must be one of the lucky ones as I have been wirh them nearly two years with no issues. And I even changed the source of my DD in that time.
    • Heng Leng
    • By Heng Leng 12th Jun 17, 1:33 PM
    • 4,125 Posts
    • 1,263 Thanks
    Heng Leng
    I never understand people's fascination with credit card direct debits on here. I use Faster Payment and never have these 'admin' issues.
    • Ebe Scrooge
    • By Ebe Scrooge 12th Jun 17, 1:51 PM
    • 3,928 Posts
    • 3,323 Thanks
    Ebe Scrooge
    I never understand people's fascination with credit card direct debits on here. I use Faster Payment and never have these 'admin' issues.
    Originally posted by Heng Leng

    I agree, there's no problem at all in paying manually, by whatever means.


    However, the big advantage of using a direct debit, it removes the possibility of forgetting to pay on time - and can be particularly useful if, for instance, you happen to be away on holiday or something when that month's payment is due.
    I may not know much about art, but I know what I like.
    • eskbanker
    • By eskbanker 12th Jun 17, 3:35 PM
    • 5,609 Posts
    • 5,442 Thanks
    eskbanker
    I never understand people's fascination with credit card direct debits on here. I use Faster Payment and never have these 'admin' issues.
    Originally posted by Heng Leng
    The reference to direct debits in the earlier post here was essentially tangential in that the poster seemingly didn't understand that these have to be set up in advance, but for those who always pay in full (or minimum) and set them up properly in realistic timescales they're very useful - a big advantage for many is that it effectively transfers the responsibility back to the card company to take the right amount by the right date.

    That's not to say that either of us is right or wrong of course but I do remember another poster who prefers not to use DDs ending up with some admin issues: http://forums.moneysavingexpert.com/showthread.php?p=72078703#post72078703
    • fozmcfc
    • By fozmcfc 12th Jun 17, 4:22 PM
    • 2,996 Posts
    • 2,183 Thanks
    fozmcfc
    I must be one of the lucky ones as I have been wirh them nearly two years with no issues. And I even changed the source of my DD in that time.
    Originally posted by wiseonesomeofthetime
    Me too, I got mine about 3 years ago IIRC. Used it for a balance transfer with a very low fee and since then have used two repeat 18 month offers.

    People moan about their app also, but I find the app very simple and easy to use and it's very easy to make an additional payment that way also.
    • badger09
    • By badger09 13th Jun 17, 4:37 PM
    • 5,173 Posts
    • 4,372 Thanks
    badger09
    I've had a PO/Bank of Ireland credit card since 2009, used only for foreign transactions. Since getting the Halifax Clarity when they were offering a reward, I haven't used the PO card. However, I keep it as backup in case the Halifax card is declined for whatever reason. I've always found the exchange rate to be competitive.

    When I had a problem with the card, entirely self inflicted by 'brain freeze' in a shop in Athens, I found the customer services rep to be very helpful. They also increased my credit limit at my request.

    Website is clunky, but does all I want. I've just successfully downloaded the mobile app, which I didn't even know existed, which should make life easier.

    All in all, no complaints & I intend to hang onto it.
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