O2's new "load and go" prepay card

philnicandamy

not a great known really as they're so new.....i'll try emailing customer services & see what they say...

betterlatethannever

So_Sad_Angel wrote: »

Its run by Nat West though & I am not too sure about that.

Angiexx

I wondered about this too. They were one of my biggest creditors but if theres no credit check then it shouldn't be a prob should it?

At least i made one good move after BR...i went with O2.:T

So_Sad_Angel

betterlatethannever wrote: »

I wondered about this too. They were one of my biggest creditors but if theres no credit check then it shouldn't be a prob should it?

At least i made one good move after BR...i went with O2.:T

Hi BLTN....hope you are Ok Honey !! Nice to see you :hello:

Well the reason I am a tad unsure is that (& I am sad for reading the T&Cs before anyone says it:rolleyes::rolleyes:) but on the O2 Money Information Sheet ( O2 website)

Section 4 / point 4 reads as follows - ( I was particularly unsure on the point where it says `recover debt` see near the bottom of the copied page.

{QUOTE -
Please note that where "you" or "your" are used in clauses 4 and 5 below they have the same meaning as cardholder.


4. Your information
Who are we

1. Your card is issued by National Westminster Bank Plc, "NatWest".
2. We are a member of The Royal Bank of Scotland Group (the Group). For information about the Group, please visit and click on 'About Us', or for similar enquiries please telephone ******* or Minicom ******. How we use your information and who we share it with
3. Your information is made up of all the details we hold about you and your O2 Money card transactions, and includes information we have received from others.
4. We may use and share your information with other members of the Group to help us and them:
   • Assess financial and insurance risks
   • Recover debt
   • Prevent and detect crime
   • Understand our customers needs
   • Develop and test products and services
5. We do not reveal your information to anyone outside the Group: QUOTE }

So would this point to the ability of the Nat West to use the right of `set off` in this case?? or am I too suspicious.(as usual)

Dave_Gosport

I recieved my PIN number today! Just waiting for the card to arrive now.

betterlatethannever

Hi SSA :j

Ohh thats got me worried now...can anyone explain further?
Think your right to be sus, i am now too

ps. SSA you read small print :eek: don't you have a life?????;) glad you did though and think it about time i did:o

So_Sad_Angel

betterlatethannever wrote: »

Hi SSA :j

Ohh thats got me worried now...can anyone explain further?
Think your right to be sus, i am now too

ps. SSA you read small print :eek: don't you have a life?????;) glad you did though and think it about time i did:o

LOL.....no life today....my car has died so I have been stuck at home most of th day....I just thought that phrase was a bit different to what I had seen before.

b-man

well just read this of the 02 website and much to my dismay it does sound like this is a visa debit card ...

"You can use your card almost anywhere Visa is accepted. A few specific restrictions apply if you're using your card for reservations or deposits, for example in hotels, car rentals or pay-at-pump services at petrol stations. You won't be able to use your card for wire transfer money orders"

"real" visa cards are acceptable everywhere right? (well everywhere displaying visa sign )

the whole point of me wanting this was for those situations when my other visa debit card is not accepted!!

still seeing as Im Bankrupt and only have one current account, this will act nicely as a risk free backup should I lose the other card and will ease the card replacement time.


i do nead a "real" visa card that will work in situations where electron doesnt though at some point.

Can anyone recommend any of the prepaid ones out there, did I read that someone had 4 others? if so which would you recommend?

cheers,

Bman

fiveyearplan

I have a cashplus card. https://www.mycashplus.co.uk

fiveyearplan

So_Sad_Angel wrote: »

So would this point to the ability of the Nat West to use the right of `set off` in this case?? or am I too suspicious.(as usual)

I would have thought they could set off a debt if it is within their group.

dvs

b-man wrote: »

well just read this of the 02 website and much to my dismay it does sound like this is a visa debit card ...

"You can use your card almost anywhere Visa is accepted. A few specific restrictions apply if you're using your card for reservations or deposits, for example in hotels, car rentals or pay-at-pump services at petrol stations. You won't be able to use your card for wire transfer money orders"

This is the exact wording used on the PayPal top-up card which is treated as an Electron card - so not looking good imo.