Is this right?

JaZzBuCcA

He has either signed/given verbal consent for the card to be opened, again no card will "just be sent out" without an application. Secondly probably on the app/when he activated card he agreed to have PPI.

All in all he doesn't have a leg to stand on. Just cancel the PPI and put up with previous charges, at least he was covered.

onedaymyfriend

CLAPTON wrote: »

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.

No it wouldn't constitute as fraudulent use.

onedaymyfriend

JaZzBuCcA wrote: »

He has either signed/given verbal consent for the card to be opened, again no card will "just be sent out" without an application. Secondly probably on the app/when he activated card he agreed to have PPI.

All in all he doesn't have a leg to stand on. Just cancel the PPI and put up with previous charges, at least he was covered.

Ok, he HASN'T signed a contract. According to vanquis (my credit card company) a contract must be signed, unless it has been applied for online. Then a tickbox would need to be checked, then click a confirm button. if it is agreed over the phone, then a contract will be sent out for the customer to sign.

This isn't a matter of my father trying to rip off the Co-op, this all came about when he asked about the PPI charges & customer service said "all this is explain in your contract that YOU signed Mr *******!"

D#

benf90

onedaymyfriend wrote: »

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.

Why would it make any difference if it was your great grandfather? A lot of people forget about things for whatever reason.

Have a read on these forums for long enough and you'll come across people that:

1. Apply for so many cards around the same time they forget which were accepted or declined.
2. Think that a card account is automatically closed just because they don't use it.
3. Just plain simply forget that they have applied for the card.

I am by no means trying to be offensive, I think it was a perfectly reasonable assumption for me to make given the information available at the time.

I also think I gave some good advice in checking the credit report.

I am wondering a couple of things though. Why would your dad just keep a card he wasn't expecting? If I received a card I wasn't expecting I'd be straight on the phone to the company asking them what was going on.

Also, to speak on the phone they would presumably have to go through security questions. Things like passwords, date of birth etc. How would all this be set up (and be correct as your dad has spoken to them) if just a random card was sent out?

Just because they couldn't get the Credit Card Agreement on screen straight away doesn't mean it doesn't exist, or that it never existed. I'd imagine that your father would need to request a copy of this in writing, and pay the statutory charge of £1.

Whatever the outcome of that I'd say the moral thing to do would be to:

1. Close or request a temporary block is placed on the account so that no more transactions can be made.
2. Cancel the repayment protection.
3. Pay back the amount spent.

onedaymyfriend

benf90 wrote: »

I am by no means trying to be offensive, I think it was a perfectly reasonable assumption for me to make given the information available at the time.

I am wondering a couple of things though. Why would your dad just keep a card he wasn't expecting? If I received a card I wasn't expecting I'd be straight on the phone to the company asking them what was going on.

Also, to speak on the phone they would presumably have to go through security questions. Things like passwords, date of birth etc. How would all this be set up (and be correct as your dad has spoken to them) if just a random card was sent out?

Just because they couldn't get the Credit Card Agreement on screen straight away doesn't mean it doesn't exist, or that it never existed. I'd imagine that your father would need to request a copy of this in writing, and pay the statutory charge of £1.

Ben, I do appologise. I thought that you were being funny.

Ok time to get my facts straight. This is what happened. My dad goes in to the local branch to deposit some cash. After the transaction, the woman behind the counter asked my dad if he would be interested in a Co-op credit card. She told him that there were a few different credit cards that were available, he told he that if he had one it would be the one that gave 25p to a childrens charity for every £1 he spent. She told him she would get some info sent out ASAP. 2 months later a card comes through the door.

Like i said earlier, he was on hold for 15 mins today after requesting that they send a copy of the credit agreement. He was told that there wasn't one & the customer service woman had never come across this before.

D#

RobertoMoir

onedaymyfriend wrote: »

Ben, I do appologise. I thought that you were being funny.

Ok time to get my facts straight. This is what happened. My dad goes in to the local branch to deposit some cash. After the transaction, the woman behind the counter asked my dad if he would be interested in a Co-op credit card. She told him that there were a few different credit cards that were available, he told he that if he had one it would be the one that gave 25p to a childrens charity for every £1 he spent. She told him she would get some info sent out ASAP. 2 months later a card comes through the door.

Like i said earlier, he was on hold for 15 mins today after requesting that they send a copy of the credit agreement. He was told that there wasn't one & the customer service woman had never come across this before.

D#

That's truly astonishing. Despite having no reason to doubt you in any way, I had to fight myself not to add "tale" in that first sentence somewhere because it's just so unusual. It's also scary. I hope you can see why people were dubious.

Have you asked why your father wasn't straight on the phone when a strange credit card turned up? I know I would be!

Hopefully you've impressed on him that doing so in the future is important with things like identity theft going on, I've seen some loan/credit companies that issue store credit loans as a credit allowance that's already partly used (the loan/credit you applied for), with a card allowing you to draw on the funds in the future.

jamalfatty

Not at all helpful with regards the original post but I very much doubt that any credit card would give anything like 25% of all money spent on it to charity

hippey

I was about to say, this sounds like a classic 'I notice you don't have our credit card' type sale, I'm not sure how the coop's system actually works, but in some banks you can open credit cards without the customer actually signing anything.....it's not legal but they get the sales figure for it!

The agreement is then meant to be filed away, but often get's 'lost'

THey should have an audit trail of who / where it was opened, after all that you should get all the PPI back (as mis-sold) and a bit of compo!

onedaymyfriend

jamalfatty wrote: »

Not at all helpful with regards the original post but I very much doubt that any credit card would give anything like 25% of all money spent on it to charity

That was meant to read 2.5p not 25p. Sorry.

D#

onedaymyfriend

hippey wrote: »

I was about to say, this sounds like a classic 'I notice you don't have our credit card' type sale, I'm not sure how the coop's system actually works, but in some banks you can open credit cards without the customer actually signing anything.....it's not legal but they get the sales figure for it!

The agreement is then meant to be filed away, but often get's 'lost'

THey should have an audit trail of who / where it was opened, after all that you should get all the PPI back (as mis-sold) and a bit of compo!

This is it, when my dad asked the woman he spoke to today, whether she could see right back to the start of the agreement, she said yes but there were no details. No contract, no name of the person that dealt with him.???