Bank staff set up credit card without asking

opinions4u

Personally, I doubt the guy will admit to what he did so I guess it will come down to my word against his and all his managers will do is make a note in case a similar situation happens again.

There will be an application form with no signature on it.

Even without it (if he's shredded it), I would expect the bank to know exactly who made the sale. I'd even hazard a guess that you have been sold a credit protection insurance with this card!

I think you should insist on something in writing confirming that the credit report has been amended accordingly.

zkw29

opinions4u wrote: »

There will be an application form with no signature on it.

Even without it (if he's shredded it), I would expect the bank to know exactly who made the sale. I'd even hazard a guess that you have been sold a credit protection insurance with this card!

I think you should insist on something in writing confirming that the credit report has been amended accordingly.

I'm confident they'll cancel the card as I haven't signed anything but I meant as far as they're concerned they can't discipline an employee based on my word against his. For example he could say that I asked for credit card and then left without signing the form. The manager said that they set the card up and then print the documents for me to sign (which doesn't sound like good practice to me).

Edit: No card protection - it gives me the option to add it on my internet banking.

opinions4u

Which bank is it?

never-in-doubt

opinions4u wrote: »

Which bank is it?

LOL, exactly what I wanted to know - time to name and shame..... :beer:

willo65

zkw29 I just wanted to say thank you for this thread - it is good to see someone who just wants advice and a problem sorted and not just hunting compensation like may others on here.

zkw29

I saw never-in-doubts message this morning but thought I'd give them the opportunity to amaze me with their service and save their reputation :rolleyes:. Since they haven't done that....it's Lloyds TSB.

The card still hasn't been cancelled (still showing on internet banking), I haven't heard anything back from the manager investigating (I know its only been a day but how long can it take to investigate?) and I got a phone call from my home branch (miles away) saying they had been told to call me to discuss a complaint which they had no details on.

I always recognise that every organisation will have the odd bad employee and try not to let that affect my view of the company as a whole - it's how they deal with the resulting situation that I consider to be important. To be honest, I do feel a bit let down with the service by Lloyds TSB and their attitude over the next few days will determine whether I stay with them or not.

olly300

OP if the issue isn't sorted out by this time next week then write a letter with the title "Formal Complaint" to the next level.

They have breached various laws. So post back if nothing happens and I'm sure you will get help writing it.

jonesMUFCforever

zkw29 wrote: »

I saw never-in-doubts message this morning but thought I'd give them the opportunity to amaze me with their service and save their reputation :rolleyes:. Since they haven't done that....it's Lloyds TSB.

The card still hasn't been cancelled (still showing on internet banking), I haven't heard anything back from the manager investigating (I know its only been a day but how long can it take to investigate?) and I got a phone call from my home branch (miles away) saying they had been told to call me to discuss a complaint which they had no details on.

I always recognise that every organisation will have the odd bad employee and try not to let that affect my view of the company as a whole - it's how they deal with the resulting situation that I consider to be important. To be honest, I do feel a bit let down with the service by Lloyds TSB and their attitude over the next few days will determine whether I stay with them or not.

LloydsTsb why does that not surprise me.
The pressure on staff to sell is unbelievable these days!

never-in-doubt

zkw29 wrote: »

I saw never-in-doubts message this morning but thought I'd give them the opportunity to amaze me with their service and save their reputation :rolleyes:. Since they haven't done that....it's Lloyds TSB.

The card still hasn't been cancelled (still showing on internet banking), I haven't heard anything back from the manager investigating (I know its only been a day but how long can it take to investigate?) and I got a phone call from my home branch (miles away) saying they had been told to call me to discuss a complaint which they had no details on.

I always recognise that every organisation will have the odd bad employee and try not to let that affect my view of the company as a whole - it's how they deal with the resulting situation that I consider to be important. To be honest, I do feel a bit let down with the service by Lloyds TSB and their attitude over the next few days will determine whether I stay with them or not.

LOL, why doesn;t that surprise me - have a read of this - http://forums.moneysavingexpert.com/showthread.html?t=1717791

Fire_Fox

zkw29 wrote: »

I'm confident they'll cancel the card as I haven't signed anything but I meant as far as they're concerned they can't discipline an employee based on my word against his. For example he could say that I asked for credit card and then left without signing the form. The manager said that they set the card up and then print the documents for me to sign (which doesn't sound like good practice to me).

Edit: No card protection - it gives me the option to add it on my internet banking.

Of course they can discipline an employee based on a statement given by you. Why would you ask for a credit card, forget to sign the form and then complain that a card was set up without your knowledge?? If this has happened to one person, then this has happened before. I would push for a full investigation and for your complaint against the member of staff to be taken seriously.