£12 over limit charge - unfair?

PixelPound

redpete wrote: »

Heatonguy wasn't told that, he was told there is no complaints department.

They may not have a complaints department, that does not mean that they don't have a complaints procedure. Heatonguy probably asked the wrong question, asking for a complaints department rather than simply asking where he sends complaints to - he really needs to make complaints in writing rather than simply over the phone.

HeatonGuy

nic_c wrote: »

he really needs to make complaints in writing rather than simply over the phone.

That would be a breach of the Equalities Act - they need to be able to take complaints from people who are unable to either write, or compose their thoughts into a letter.

99% of the time, a company who says "written complaints only" especially if they define "written" as "letter post" are seeking to slow down or stop complaints altogether.

cajef

HeatonGuy wrote: »

I am not performing a transaction that takes me over the limit. They are.

Oh I get it now, they are making you take cash out when you are near your limit so you go over the limit and they can apply interest.:T

Nick_C

I've never seen a small credit card. Mine are all the same size.

HeatonGuy

cajef wrote: »

Oh I get it now, they are making you take cash out when you are near your limit so you go over the limit and they can apply interest.:T

No, I use the card to close to the limit, never gone over by my direct action.

Occasionally, if a shop requires it, I use the card to draw cash, because it's my Business Expenses card...

cajef

HeatonGuy wrote: »

No, I use the card to close to the limit, never gone over by my direct action.

Occasionally, if a shop requires it, I use the card to draw cash, because it's my Business Expenses card...

Of course it is by your direct action, it is you that is using the card close to the limit, they are not responsible for your actions.

BoGoF

So when does a shop ask you to withdraw cash on your credit card?

Robin9

BoGoF wrote: »

So when does a shop ask you to withdraw cash on your credit card?

I think HeatonGuy is saying there are some places which do not accept his credit card so he goes to an ATM and draws cash so he can purchase the item.

HeatonGuy - a good idea to use a separate card for business but you are running too close to the limit for comfort.

IAmWales

HeatonGuy wrote: »

That would be a breach of the Equalities Act - they need to be able to take complaints from people who are unable to either write, or compose their thoughts into a letter.

99% of the time, a company who says "written complaints only" especially if they define "written" as "letter post" are seeking to slow down or stop complaints altogether.

It would only be a breach of the Equality Act if they failed to make reasonable adjustments where a disabled person needed it. Do you need adjustments as a result of your disability?

(Although you could be talking about a different statute, I'm not aware of the Equalities Act.)

User_101122

They may not have a complaints department, that does not mean that they don't have a complaints procedure. Heatonguy probably asked the wrong question, asking for a complaints department rather than simply asking where he sends complaints to - he really needs to make complaints in writing rather than simply over the phone.

What he asked for is irrelevant, it is obvious to anybody that he wanted to complain. The fact he mentioned the word complaint should have promoted who ever he spoke to to give the correct advice instead of obstructing a legitimate complaint for anybody who doesn't use the correct industry jargon.

I don't know of a single credit card company who can not accept a complaint over the phone.

If somebody asks for a complaints department and is told there isn't one but no further advice is given in how to complain, that is at best unhelpful and at worst obstructive.