Mis-sold Credit Card???

monkeygrinder

photome wrote: »

OP

Have you cancelled the card now?

As for misselling, You asked for a card.

Yes, card cancelled as soon as paid off.

I asked for an upgraded debit card, and was suggested to apply for a credit card

antrobus

monkeygrinder wrote: »

..I know and accept I am responsible for the way I used/abused the credit card, but I am wondering if the way I was coerced into applying for the card constitutes mis-selling. And if so what are my options?...

What loss have you suffered?

bigbulldog

Also what are you trying to achieve by this other than getting the person who suggested to you about a credit card into trouble .

Mr_Goodkat

You did not have a full Current Account with the Halifax, the only debit card available for that particular account was a solo card. They could not just upgrade you to a 'proper debit card'.


You could have asked to apply for or upgrade to a full Current Account and this could have meant getting a Switch/Visa Debit Card (depending when it was).


They offered you a credit card application you decided to apply then decided to use it and run up debt.


You were not miss sold, hopefully you have learnt your lesson

lisyloo

I do though wonder if the way in which it was suggested by Halifax staff that I apply for the credit card could be construed as irresponsible?

I don't think you were offered financial advice.
If you went to a car dealer then would you expect them to advise you on getting the bus or perhaps buying a bicycle?

From a legal/regulatory perspective I think you are confusing advice with mis-selling.
If you had gone to a financial advisor and they recommended a product then there would be guidelines they'd have to follow, but if you merely go to someone who is selling you something then they can try to sell you whatever they like as long as they aren't mis-representing the product.

So if you went to a car dealer and bought a car, you couldn't complain that they hadn't advised you about the cheaper bus routes.

Sorry but in future you either need to get proper advice from someone qualified to give it or you need to do research yourself.
You will not get unbiased advice from sales staff.

A sales person has no legal responsibility to sell you something that's in your best interests.

a4a

We seem to live in a world of compensation culture and its always "somebody else's fault" attitude, nowadays.

JKSandy

a4a wrote: »

We seem to live in a world of compensation culture and its always "somebody else's fault" attitude, nowadays.

I'm not saying this is true of the OP but I think because of the money being paid out by PPI claims etc some people are looking at every angle to get something out of the banks however flimsy the reason.

a4a

JKSandy wrote: »

I'm not saying this is true of the OP but I think because of the money being paid out by PPI claims etc some people are looking at every angle to get something out of the banks however flimsy the reason.

And also blaming everyone else for their actions.

"I got into debt but it's not my fault".

yangptangkipperbang

monkeygrinder wrote: »

was accepted for a credit card. I have between now and then got myself into debt with the credit card

This post is a wind up - isn't it ??

Surely the purpose of a credit card is so that you CAN get into debt....................

thebritishbloke

yangptangkipperbang wrote: »

This post is a wind up - isn't it ??

Surely the purpose of a credit card is so that you CAN get into debt....................

Would you count it as being in debt if you're someone who pays it off in full every month though :rotfl: