Skycard payment protection complaint

tabath

Couldn't find anything on this in any of Martins articles so here goes.


I took out a skycard cc and transfered some cc balances to it. On the 2nd statement I received I noticed a charge that had occured again - £17.25 for something called a payment protection break. I phoned them and asked what it was and they told me it was a protection plan. I said I had not agreed to take out any plan and had wanted it stopped and the 2 payments they had taken refunded. Well in this age of telecoms what happened? I had to write to an address I was given to make a request for this to happen. I did this and in the meantime received another statement with a charge of £17.25 on it. Today I received 2 letters from skycard. One stating the plan had been withdrawn and another asking me to phone them.


On phoning them I was astounded to hear that although they had cancelled the plan(therefore tacitly admitting I had not agreed to it) they were not prepared to refund the 3 payments already taken because I had made 3 payments. I told them I had not agreed to take out the plan and told them to listen to the recording of the conversation and anyway no way on earth had I signed a policy saying I would agree to this, but they despite the rep leaving her seat to talk to a superior when I saind I would be complaining to the consumers assocoiation and other bodies she returned to insist that because I had made 3 payments I had agreed to this and all she could do was pass this on to the complaints section.


Since then I have been in touch with Which Legal who advised me to teell skycard that I would be lodging a complaint with the Financial Services Ombudsman and the OFT which I have done but still no movement other than their complaints dept will be looking at this.

Had any1else had experience with skycard or other companies of payment protection being implemented without you signing up for it and if so what did you do and what was the outcome?

jonesMUFCforever

Write a strongly worded letter to the CEO of the company that runs the card giving them 7 working days not only to refund the charges in full but also a sum to compensate you for the hassle of having to chase this up.
If they don't reply you have 2 choices.
1 Complain to Banking Ombudsman (to do this you really have to go through all of Sky card's complaints procedure - however torturous this is)
2. Go to HMCS moneyclaim online and issue a claim against the bank. It will cost you £30 but when you win you get the fees back.