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Hi guys!

Just had a conversation with my Dad about his Co-op credit card. To start with they just sent him a card out of the blue last in September '07 (NO APP!). But he decided not to use it. He has been using it recently (since Aug '08), he has just been going through some paper work and noticed that he has been charged for Payment Protection. When he called them tonight, the Co-op told him that the Payment Protection is loaded to the card and that the customer must request to have it removed & that this info is shown on his contract. When he told them that he hadn't even signed a contract, they told him that the card was first issued in 2005?? !!!!!!??

Any advice on what to do would be much appreciated,

D#
The puppetmasters create "disorder" so the people will demand "order"
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  • Brian_Bullocks
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    Hi guys!

    Just had a conversation with my Dad about his Co-op credit card. To start with they just sent him a card out of the blue last in September '07 (NO APP!). But he decided not to use it. He has been using it recently (since Aug '08), he has just been going through some paper work and noticed that he has been charged for Payment Protection. When he called them tonight, the Co-op told him that the Payment Protection is loaded to the card and that the customer must request to have it removed & that this info is shown on his contract. When he told them that he hadn't even signed a contract, they told him that the card was first issued in 2005?? !!!!!!??

    Any advice on what to do would be much appreciated,

    D#

    Write to them and ask for a copy of the contract.
    I used to have a signature but it disappeared and I just couldn't be bothered writing another, so please feel free to ignore this.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
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    if he wants the card then he can continue using it
    if he doesn't want PPI then he can cancel PPI

    if he doesn't want the card then he doesn't have to use it and can cancel it.
  • onedaymyfriend
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    Thanks for stating the obvious CLAPTON.
    The puppetmasters create "disorder" so the people will demand "order"
  • Jvic28
    Jvic28 Posts: 1,596 Forumite
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    I think the issue is that firstly no credit agreement was signed by your Dad and secondly that your dad has been 'sold' ppi without knowing it. I think both issues are cause for complaint. He should request a copy of the CCA and request that the ppi is cancelled and any ppi already paid be refunded.
    DMP Mutual Support Thread Member No 190
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  • benf90
    benf90 Posts: 590 Forumite
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    To me it seems a case of your dad forgetting that he applied for a card in 2005.

    They wouldn't just send a card out of the blue without an application being done. Cards usually expire 2 or 3 years after being issued. A new card arriving in September 2007 appears to be a replacement for the original expiring card, which is what Co-Op mean when they say it was originally issued in 2005.

    If your dad has forgotten that he applied for the card, he may very well have forgotten that he applied for the card protection.

    I won't into the rights and wrongs of PPI or whether it has been missold, or correctly sold and simply forgotten about etc but if you want to read up more about it then take a look at this article/guide:

    http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

    Your dad should also get a copy of his credit report. Presuming that he did apply for the card back in 2005 then there may be more accounts like this that he's forgotten about.
  • onedaymyfriend
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    Jvic28 wrote: »
    I think the issue is that firstly no credit agreement was signed by your Dad and secondly that your dad has been 'sold' ppi without knowing it. I think both issues are cause for complaint. He should request a copy of the CCA and request that the ppi is cancelled and any ppi already paid be refunded.

    Called the Co-op today and was on hold for 15 mins while they tried to find the application. All apps are downloaded on to the system. Needless to say, it doesn't exist! Oh dear!

    Going to write a letter of complaint.

    D#
    The puppetmasters create "disorder" so the people will demand "order"
  • moneysavingallday
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    benf90 wrote: »
    To me it seems a case of your dad forgetting that he applied for a card in 2005.

    They wouldn't just send a card out of the blue without an application being done.
    .

    Completely agree
  • onedaymyfriend
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    benf90 wrote: »
    To me it seems a case of your dad forgetting that he applied for a card in 2005.

    If your dad has forgotten that he applied for the card, he may very well have forgotten that he applied for the card protection.

    Your dad should also get a copy of his credit report. Presuming that he did apply for the card back in 2005 then there may be more accounts like this that he's forgotten about.

    Thanks for that Benf90, but i did say it was my father that had the credit card, not my great grandfather!lol

    The Co-op cannot supply my FATHER with a copy of his contract, as there is not record of it on their system.
    The puppetmasters create "disorder" so the people will demand "order"
  • MattLFC
    MattLFC Posts: 397 Forumite
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    If he is not under contract, presumably, he is not contracted to pay the money back, certainly not in any given timeframe.

    Also, I am pretty sure he would have recieved statements in the preceeding two year's, had he applied for and recieved the card, and if he has internet banking, his account would have been on that. So I doub he would not know about it.

    So if there is no contract, they must have just randomly sent out a card to someone, probably in the hope he will spend spend spend on it fr Xmas, and then have to pay it back with interest.

    Personally, if they were cheeky like that with me, and they could provide no proof of contract, then I would spend on it and when they send me a statement, I would ask them where in the contract does it say I have to pay it back.

    Leave them scratching their heads when they can't find the contract lol...
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
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    Thanks for stating the obvious CLAPTON.


    I glad you found my post clear and lucid and would commend it your your father.
    I was just wondering, if some who didn't apply for a CC and didn't sign an agreement and so new it wasn't intended for him and then used the card, would constitute fraudulent use.
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