am I being unreasonable?

talana

couponqueen123 wrote: »

how very rude of you to suggest that they educate them self's as you clearly know nothing (i for one think the op has got case to complain )while i see what others are saying about it being her fault she can still complain

No she can ask, not complain.
You can't complain about something that's your fault (pretty much by definition). You'd rightly be rejected out of hand.

You don't ask you don't know. Now that bit I have no problem with.

Better_Off_1983

I work in credit card collections and spoke to a customer once who stated that he thought a direct debit was set up on his account to call for the min. payment. He then asked us to refund the late charge on the account. He could not clear the arrears there and then with a debit card and the account was 2 weeks in arrears.. the account will continue to be in arrears for another 2 weeks until he decides to make a payment. So clearly he has not budgeted. He asked me to refund the late charge, I looked at the account and over the last 6 months he has had 3 late charges refunded!! I also advised him that I will not be refunding the charge because on this occasion, it was not a fault of ours why the payment was late... is was his own.

Trust me, I see it alot of people trying it on in my line of work.

If I were in your shoes, I would just take it as a hard pill to swallow and set up a direct debit for the full outstanding balance every month. The direct debit disclaimer states that if there is an error, the creditor/service provider will rectify it.

You need to also see what sort of effect this has had on your credit file as well because refunding the £12.00 charge is just the tip of the iceberg.

I have credit cards myself, all of them set for the either the full or min. payments. If they have the min payments, I also make a standing order payment on top or a debit card payment also. I have a diary with all the payments that are due to be paid and I have internet banking and look at it daily to make sure everything is up to date.

I cannot remember the last time I incurred a late charge etc

newbutold

If you don't ask you don't get - in this case you asked & didn't get all you wanted. I personally would be satisfied with the £12 fee waiver & set up a direct debit for the full amount.

I don't think you were being unreasonable asking them the question but I think you are being unreasonable now that they have give you an answer you don't like.

The scenario you have described would not make me jump ship to anther card, it would have me kicking myself for not paying on time!

Better_Off_1983

Also.. by raising a complaint, as a consequence, they could close your account, two reasons..... 1). because you have raised the complaint in vain and in their eyes, you have not followed and adhered to the terms and conditions of the account.

2). They are not making any money from you because you clear the balance every month.

Like I mentioned in a previous post, I have seen times where accounts have had the interest waivered in one month because a customer was mis-advised or not advised at all over the phone about the residual interest on their card the following month if they cleared the balance in the previous month.

Or if the customer asked for the account to be closed, if the customer was verbally advised the account would be closed but instead, months rolled on and the account was still open and the residual interest rolled over and incurred late charges because no minimum payments were received to cover for the residual interest.

Basically, it is not their fault you forgot to make the payment, you really have no case to complain unless someone told you they would refund the interest and they have not.... the only thing they have refunded you is the late payment charge.

Eonel

OP - looks like you have done everything possible to get the fees refunded by Tesco & they do not wish to listen. I am a bit surprised at this - have been in a similar position with a few of different cards over the years and got the goodwill gesture.

Am also a bit surprised by some of the response posts - not the usual crowd in tonight.

If you are looking for a replacement then try the Capital One World card. Tiered cashback with min 0.5% on everything. It can add up to a few hundred pounds a year.

233sqn

Further to the majority of people telling me I was in thewrong, wasting my time and an ar5e etc….. I wrote to Tesco, as I said I would.



Well…. Tesco it seems don’t agree (with you). I was calledpersonally on Saturday morning, and received an apology and a full credit forboth interest and fee.



Today I received confirmation, with a letter that included thefollowing snip:



I appreciate that this was a genuine error on your part. I am sorrythat when you called to explain the situation the manager that you spoke withwas unwilling to refund the interest and only agreed to refund the late paymentfee of £12.



Having reviewed your account I appreciate you normally pay your balancein full and on time. As discussed today, as a gesture of goodwill I have arrangedto refund the interest charge too andthis will show on your next statement.



So my faith in Tesco is restored, and also that those furtherup the chain at Tesco who are empowered tomake decisions do know the difference between an ar5e and a valued customer.



I did learn how to spell lose though, so one bit of Andy’sreply was useful.

custardy

The didnt say you weren't an "ar5e"

AdamJK_2

I work in credit cards and personally, taking everything at face value (first time missed payment, average monthly spend etc etc) then I wouldn't have had any problem in waiving that interest. I would have strongly promoted setting up a direct debit instruction on the account though and made it perfectly clear that this was just a once-off and wouldn't happen again should a future payment be missed.

People make mistakes but as others say, the credit card company is in the game to make money. You're average spend, if correct, means that the only person losing out here is the credit card company - plus I'm a firm believer in rewarding loyalty.

sfax

This made me laugh

spadoosh wrote: »

Bad attitude, businesses are their to offer a service/product and charge money for that service. Your suggesting a business should provide a service without being paid. how about you go to work and not get paid?!

This is where places like MSE hit rock bottom. Its not about consumer rights and consumer power, its about equality in business and retail. Paying a fair price for a fair product. Business benefit aswell as customer benefit. People like you scuff this up! When only one party gains you srcew up the system.

Please educate yourself on how business should work.

Aside from being a totally over the top reaction to one missed payment on an otherwise flawless record, as has now been proved because they refunded the interest.

Not sure why people post nonsense like this on what is supposed to be a money saving forum

mankarni

Think of It this way.....
Tesco has been a Loyal Credit Card Issuer to you for the last 10 Years.. and has won a Loyalty bonus of 72 from you as a goodwill gesture ... :-)