Mis selling of credit cards

Hogieone · 13 July 2017 at 5:03PM

After the PPI mis advice payouts, is there going to be a claim for being bullied into the use of credit cards and the way banks base credit ratings on the use of credit cards?. I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

[Deleted User] · 13 July 2017 at 5:04PM

No.

The choice to spend - and whether you repay - on a credit card is yours and yours alone.

k3lvc · 13 July 2017 at 5:07PM

Hogieone wrote: »

I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

You can't sue for temptation :rotfl:

IAmWales · 13 July 2017 at 5:15PM

Did you not have a bin to put said letters in, or perhaps a recycling box?

[Deleted User] · 13 July 2017 at 5:18PM

Could have put it on the card...

pogofish · 13 July 2017 at 9:04PM

What's the Stooze here?

DCFC79 · 13 July 2017 at 9:32PM

Hogieone wrote: »

After the PPI mis advice payouts, is there going to be a claim for being bullied into the use of credit cards and the way banks base credit ratings on the use of credit cards?. I never have wanted one but had to with the pressure from constant letter saying how easy it was to sign up and being one of thousands who have been thrust into debt by the use of them.

Im afraid the banks dont base anything on credit ratings since the credit ratings areonly seen by us, us being the customers/ Joe Public.

Why couldnt you just shred the address on the letter and recycle the rest ?

Do you not have any self control ?

I fear for some folk in this country/world, no self control.

minneloon · 14 July 2017 at 4:51PM

Today my new B card arrived - I didnt ask for it, never heard of it. Lots of bumpf - not a mention of interest rate, credit limit - just you can use this everywhere its a credit and debit card - you dont even need an account - just a mobile gadget. Is this for real? Ive spent 20 years working with folk in bad debt situations - but not come across this before. No credit check - card all made out in my name..!!!!!!?
Anyone else had one drop through the letter box? Is this legal? Is this moral?

molerat · 14 July 2017 at 4:54PM

Do you have a Clydesdale / Yorkshire account ?

IAmWales · 14 July 2017 at 4:57PM

minneloon wrote: »

Today my new B card arrived - I didnt ask for it, never heard of it. Lots of bumpf - not a mention of interest rate, credit limit - just you can use this everywhere its a credit and debit card - you dont even need an account - just a mobile gadget. Is this for real? Ive spent 20 years working with folk in bad debt situations - but not come across this before. No credit check - card all made out in my name..!!!!!!?
Anyone else had one drop through the letter box? Is this legal? Is this moral?

B is Yorkshire Bank. If you didn't request it you should contact them, as well as checking your credit file for signs of fraud.

molerat · 14 July 2017 at 4:58PM

And is it a real card or one of those advertising campaigns ?

Mis selling of credit cards

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