Debenhams Mastercard

Garf66

Hi

My 18yr old son recently shopped in Debenhams and at the checkout he was offered 10% discount on his purchases if he took out a Debenhams Credit Card. All they asked for was some form of ID so he presented them with his provisional driving license. They took the details, asked him to sign a couple of forms (of which he was not given a copy). He was just given a copy of a printed credit agreement which does not contain his signature. His credit limit is £1000. He does not have a bank account or regular income. He works a few hours a week in his local pub as he's a full time student. I personally feel Debenhams have acted irresponsibly but would like to know where I stand in making a formal complaint and to whom it should be directed.

Gordon_Hose

Although irresponsible lending exists, I don't believe it applies here.

Debenhams regularly ask me if I want their card, I say "No" and they leave it there. Your son could have done exactly the same thing.

He signed a credit agreement, if he didn't know what was contained within that agreement he shouldn't have signed.

Why can't he just cancel the card? By all means lodge a complaint, but I doubt you'll get very far with it. What would you like the outcome of said complaint to be anyway?

Hazzanet

Garf66 wrote: »

Hi

My 18yr old son recently shopped in Debenhams and at the checkout he was offered 10% discount on his purchases if he took out a Debenhams Credit Card. All they asked for was some form of ID so he presented them with his provisional driving license. They took the details, asked him to sign a couple of forms (of which he was not given a copy). He was just given a copy of a printed credit agreement which does not contain his signature. His credit limit is £1000. He does not have a bank account or regular income. He works a few hours a week in his local pub as he's a full time student. I personally feel Debenhams have acted irresponsibly but would like to know where I stand in making a formal complaint and to whom it should be directed.

If your son is over 18, I don't believe you have any grounds to complain. He is an adult, entered into the contract willingly and you are not a party to that contract.

Your situation, even though he is your son, would be akin to me complaining to your bank objecting that you have taken out a credit card.

Paully232000

I applied for a debenhams card a few weeks ago, and i had to provide ID and fill in a form that stated my income, household income and monthly expenditure. Then I was given a copy of all my forms back and the form with my income details on it back.

_Andy_

" I personally feel Debenhams have acted irresponsibly but would like to know where I stand in making a formal complaint and to whom it should be directed."

none at all - your son is an adult and his finances are none of your business.

thesaver79

_Andy_ wrote: »

" I personally feel Debenhams have acted irresponsibly but would like to know where I stand in making a formal complaint and to whom it should be directed."

none at all - your son is an adult and his finances are none of your business.

To be honest, they always try without mentioning the word "Credit" with card. It may not be illegal, but certainly deceitful.

Gordon_Hose

Not when they hand you a form with "Credit Agreement" at the top.

It's all about making sure you know what you're signing for. It is the customers responsibility to know.

_Andy_

thesaver79 wrote: »

To be honest, they always try without mentioning the word "Credit" with card. It may not be illegal, but certainly deceitful.

Regardless, my point is that the person in question is legally an adult, thus if any complaint is to be made, it needs to be them making it.