Is this right?

benf90

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

It's probably 25p per £100 spent.

As charity cards have been mentioned, to anybody that has one have a read of this article to see why they're just a waste of time and how you (and the charity) can be better off without one:

http://www.moneysavingexpert.com/cards/charity-cards

Back on topic...

I'd say the best thing to do is write a letter of complaint, with the OP has already said they will do.

Having everything in writing should avoid any confusion as to what has happened and hopefully get it resolved. If it was me I'd be asking for:

1. The repayment protection to be cancelled and any charges for it refunded.
2. Either the card account closed or a CCA sent to be signed if the account is to remain open etc.

I'd pay back the amount that's been spent asap though (I'm not saying your father wouldn't or had plans not to etc).

I suppose that this should have already been escalated by the person your father spoke to on the phone. Whoever it is, and whatever job they do, they would surely check about something they've never come across before?

onedaymyfriend

We have spoken to the The FSA & The Ombudsman. As there is no contract, we are totally within our rights to request that the interest be paid back & that the balance be cleared.

D#