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Case of mis-selling?
Comments
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I may be no worse off, but the point is the bank push these products on people and dont offer any other options. I could of had a debit card as i now have one for the same current account.
As the other posters have said, even if you have a valid mis-selling claim (which you don't), what specifically are you expecting from the bank now?
Compensation? No chance, as you're not worse off.
The debit card you didn't get 9 years ago? You have one.
Someone from the bank to give you a hug and say sorry?
What do you want to achieve here?0 -
!!!!!!: Stop jumping to conclusions dude, i have not racked up a massive debt and wish to pin any f*****g blame on anyone so keep it schtum till you get all the facts!!!
You need to chill out mate. I wasn't making accusations. I was actually asking you a question. Perhaps if you could answer it rather than typing profanity then somebody will be able to help you out.At the time i never new the difference between a debit & credit card, i was young and naive and couldnt care less.
This sums your poor attitude up to be honest. It's not the bank's job to financially educate you. They tell you the facts about the products they are selling and you make the decision about what is best for you.My point is that this credit card was practically forced upon me, i asked for a card that i could use for online purchases, i was given a credit limit of £1000. Why was i not offered a simple debit card instead
Practically forced? Come off it! Presumably if you are old enough to be applying for a credit card you are old enough to have learned the phrase "no thanks."
And if you asked them for something to use for online purchases and they gave you a credit card, they have given you exactly what you ask for: a method of payment accepted virtually everywhere with extra protection on any purchases ovr £100. What's the problem?0 -
i'm chilled out matey i just dont take kindly to people who make random assumptions about others.
"This sums your poor attitude up to be honest. It's not the bank's job to financially educate you. They tell you the facts about the products they are selling and you make the decision about what is best for you."
They never gave me all the facts about the other products on offer as far as i knew that was the only product available to me.
Anyways from the responses so far i kind of gather that i am onto a non-starter and that the general concensus on here is that it is ok for the banks to push the product that best suits them and not the consumer.0 -
1 - the fact you are no worse off is important. If you are not worse off then you are not entitled to anythingI may be no worse off, but the point is the bank push these products on people and dont offer any other options. I could of had a debit card as i now have one for the same current account.
2 - The bank is allowed to sell its products. As long as the sales are compliant and you are not mentally incapable of saying no then they have done no wrong.
3 - The bank gave you the product that fitted your need. They may not have wanted to give you a debit card. Indeed, the fact you dont have a cheque book suggests that. Do you actually have a current account?
4 - You have probably gained financially from having a credit card as you accure interest on the money in the account whilst you wait to pay for the items on the credit card.
Totally.Anyways from the responses so far i kind of gather that i am onto a non-starter
Correct. Sales people are allowed to sell products.the general concensus on here is that it is ok for the banks to push the product that best suits them and not the consumer.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Anyways from the responses so far i kind of gather that i am onto a non-starter and that the general concensus on here is that it is ok for the banks to push the product that best suits them and not the consumer.
Most people figure that out pretty quickly. The banks are there to make a profit, they are not a charity.0 -
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Most people figure that out pretty quickly. The banks are there to make a profit, they are not a charity.
I hope they make a profit.
Most of them owe us all a lot of money ... and hopefully one day we'll get it back with interest. But only if they are allowed to make a profit ..."Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100
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