cashplus

jobe1972

Hi need some advise i have a cashplus credit card its not a prepaid card its a regular creditcard..been having issues with them last month they didnt take a payment from a recurring card so called them after they tried contacting me and they had fined me a late fee (most card company's can sort a issue over the phone not cash plus they have to call head office and then wait days) so they took a manual payment for the missing payment and said a refund would be given for the lat fee thought that would be it...but a few days later the original payment was taken by the now fixed automated system ..then the manual payment came out TWICE so they took the payment 3 times..they told me they couldnt give me a refund till they worked out why it had happened and no set date.. but after a week or so it was sorted with a promise it wouldnt happen again..so now this month because they never got a payment till after last months bill had been printed they took last months payment again with this months..when i called was told they couldnt refund the mistake but to go to a cash point and refund the difference thats my only option..so i tried to complain told me they could raise a complaint cause i complained last month and would have to add it to that one but thats closed ..asked for head office number was refused asked to speak to a manager or supervisor was refused so tried to close the account was told i cant unless i pay off the balance in full ..so what can i do

dazzaofdagenham

Didn’t know they did a credit card.

What’s the rate of interest.

jobe1972

34.08 % p.a Fixed for all other amounts payable under
your agreement


card is invite only

Anthorn

dazzaofdagenham wrote: »

Didn’t know they did a credit card.

What’s the rate of interest.

Cashplus branched out into a credit card some time ago. As far as I know it's by invitation which is sent to existing prepaid card holders. Don't know the APR.
https://www.cashplus.com/credit-card/

System

cashplus is a con. I got a creditbuilder prepaid card with the loan part on it about 18 months ago. it did nothing other than take £6 a month off me. complete waste of time and money and would not recommend to anybody. i couldnt even close the account just stopped using it and now cant log in so dont know if it closed. theyre awful.

jobe1972

i never had prepaid card so invite must be from other sources but trying to find contact info so i can bypass the customer service which isnt even that as they cant actually do anything at all is proving impossible

eDicky

jobe1972 wrote: »

tried to close the account was told i cant unless i pay off the balance in full ..so what can i do

Do that if you can, pay the balance and close it, using the refund you're due instead of taking it. Then use prepaid products without fees and a credit card from a proper company if possible. Cashplus is for mugs.

jobe1972

they called me today refused a refund said there it dept said one couldnt be issued because the minium payment had been taken even though it was a mistake as it counted the prevous payment which had already been paid and they would have to escalate the complaint which will take around a month

SnowTiger

jobe1972 wrote: »

..asked for head office number was refused asked to speak to a manager or supervisor was refused so tried to close the account was told i cant unless i pay off the balance in full ..so what can i do

Stop using the card and make a manual payment towards the outstanding balance every month.

A credit card company isn't going to completely close an account that has an outstanding balance.

You can make a complaint yourself, directly, rather than via customer services. Details at the bottom of this page: https://www.cashplus.com/contact/.

If they don't respond or you're not happy with their reply you can take your complaint to the Financial Ombudsman.

Ben8282

Cashplus do offer a credit card and it is definitely invitation only but what the criteria are for receiving the invitation I don't know. It is definitely not automatically sent to existing card holders. Evidence would suggest that such invitations are sent to individuals with very bad credit files who can't get anything else.
The OP is rather confusing as I'm not sure where the payment was taken from; not a direct debit to a bank account by the looks of it but perhaps a CPA to a pre-paid card?
As this Cashplus credit card is not advertised it is difficult to know if it works like a regular credit card or is somehow different.

jobe1972

Cashplus dont do direct debits payment is made via recurring payment which i have now delinked my card from them ..well told them too so hoepfully they have didnt get the money they said they couldnt do it there system doesnt allow partial refunds