BHS Aggressively and Covertly Trying to Sell OAPs Store Cards – Who do I complain to?

ILW

OP seems to have a rather low opinion of his own mother, he appears to treat her as if she has some sort of mental defficiency. It does not bode well for the future.

_Andy_

"read thoroughly through the T&Cs before signing up for the store card to save 30 pounds?"

You're missing the key point here which is that it would clearly state it's a credit agreement. This isn't something that's 'hidden' in the T&Cs.

mo786uk

opinions4u wrote: »

Shop tries to save customer £30.

Customer gets confused.

Next please.

Not really

they push the credit option because they make more than £30 in commission - its not surprising to think they over simplyfy things or mislead in order to get peopel to sign up

its not uncommon for older folk to be too trusting and take poeple at their word and/or not understand complex financial products.

sfax

All credit agreements have a cooling off period so if she wasn't sure, she could have shown someone else the credit agreement and then had it cancelled.

It's very unlikely to be the reason she was turned down for a Barclaycard (much more likely is the fact she has no credit history). The acceptance threshold for a store card is much lower (high APR, low limit, like sub prime cards)

One credit search would show up on her CRA report, not necessarily the new agreement (depending on the timing). Very unlikely to be a factor IMO

opinions4u

Is it possible to be aggressive and covert at the same time?

ILW

opinions4u wrote: »

Is it possible to be aggressive and covert at the same time?

You could be aggressive in the dark I suppose.

_Andy_

mo786uk wrote: »

Not really

they push the credit option because they make more than £30 in commission - its not surprising to think they over simplyfy things or mislead in order to get peopel to sign up

its not uncommon for older folk to be too trusting and take poeple at their word and/or not understand complex financial products.

A credit agreement is hardly a 'complex financial product'

gglaze

I dont think there was anything covert about it - it was an outright lie if they said "NO" when asked if it's a credit card.

ILW

gglaze wrote: »

I dont think there was anything covert about it - it was an outright lie if they said "NO" when asked if it's a credit card.

The reply to the question was probably "It's a store card" so no lie there.

barbarawright

sophieschoice wrote: »

Don't be ridiculous. They haven't grown up with store cards. If stores push the 'loyalty' factor they think they're getting a Nectar or Clubcard.

I'm 48 and I certainly didn't grow up with store cards. You don't think it's a little patronising to assume that all 72 year olds are incapable of understanding personal finance? This lady seems very capable indeed since she's managed her life without credit. It does amaze me when I see so many threads that seem to assume anyone over 60 is a complete idiot.