Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Hogieone
    • By Hogieone 13th Jul 17, 6:03 PM
    • 1Posts
    • 0Thanks
    Hogieone
    Mis selling of credit cards
    • #1
    • 13th Jul 17, 6:03 PM
    Mis selling of credit cards 13th Jul 17 at 6:03 PM
    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.
Page 1
    • zx81
    • By zx81 13th Jul 17, 6:04 PM
    • 14,402 Posts
    • 15,199 Thanks
    zx81
    • #2
    • 13th Jul 17, 6:04 PM
    • #2
    • 13th Jul 17, 6:04 PM
    No.

    The choice to spend - and whether you repay - on a credit card is yours and yours alone.
    • k3lvc
    • By k3lvc 13th Jul 17, 6:07 PM
    • 1,949 Posts
    • 3,095 Thanks
    k3lvc
    • #3
    • 13th Jul 17, 6:07 PM
    • #3
    • 13th Jul 17, 6:07 PM
    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.
    Originally posted by Hogieone
    You can't sue for temptation
    • IAmWales
    • By IAmWales 13th Jul 17, 6:15 PM
    • 1,864 Posts
    • 3,881 Thanks
    IAmWales
    • #4
    • 13th Jul 17, 6:15 PM
    • #4
    • 13th Jul 17, 6:15 PM
    Did you not have a bin to put said letters in, or perhaps a recycling box?
    • zx81
    • By zx81 13th Jul 17, 6:18 PM
    • 14,402 Posts
    • 15,199 Thanks
    zx81
    • #5
    • 13th Jul 17, 6:18 PM
    • #5
    • 13th Jul 17, 6:18 PM
    Could have put it on the card...
    • pogofish
    • By pogofish 13th Jul 17, 10:04 PM
    • 7,939 Posts
    • 8,058 Thanks
    pogofish
    • #6
    • 13th Jul 17, 10:04 PM
    • #6
    • 13th Jul 17, 10:04 PM
    What's the Stooze here?
    • DCFC79
    • By DCFC79 13th Jul 17, 10:32 PM
    • 30,427 Posts
    • 19,236 Thanks
    DCFC79
    • #7
    • 13th Jul 17, 10:32 PM
    • #7
    • 13th Jul 17, 10:32 PM
    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.
    Originally posted by Hogieone
    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.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • minneloon
    • By minneloon 14th Jul 17, 5:51 PM
    • 7 Posts
    • 5 Thanks
    minneloon
    • #8
    • 14th Jul 17, 5:51 PM
    unsolicited credit card?
    • #8
    • 14th Jul 17, 5:51 PM
    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..WTF?
    Anyone else had one drop through the letter box? Is this legal? Is this moral?
    • molerat
    • By molerat 14th Jul 17, 5:54 PM
    • 17,484 Posts
    • 11,719 Thanks
    molerat
    • #9
    • 14th Jul 17, 5:54 PM
    • #9
    • 14th Jul 17, 5:54 PM
    Do you have a Clydesdale / Yorkshire account ?
    www.helpforheroes.org.uk/donations.html
    • IAmWales
    • By IAmWales 14th Jul 17, 5:57 PM
    • 1,864 Posts
    • 3,881 Thanks
    IAmWales
    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..WTF?
    Anyone else had one drop through the letter box? Is this legal? Is this moral?
    Originally posted by minneloon
    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
    • By molerat 14th Jul 17, 5:58 PM
    • 17,484 Posts
    • 11,719 Thanks
    molerat
    And is it a real card or one of those advertising campaigns ?
    www.helpforheroes.org.uk/donations.html
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,501Posts Today

6,411Users online

Martin's Twitter