One card with GE Money at Bhs became two cards with Barclaycard

T_Anne

My point is how could they open another account without my authority. No signature, no correspondence, why not do a balance transfer to new card with my authority. Giving me the chance to decline!

[Deleted User]

T_Anne said:

No signature, no correspondence, why not do a balance transfer to new card with my authority. 

You'd need to have opened a new account if your choosing and requested a BT from the new provider if that's what you wanted.

You need to see what response they give, but you'll have agreed to the new account within the original terms. The query is over what the old one was not closed.

It may be because you continued to spend on it after the transfer.

sourcrates

Well it dosen`t really matter how many accounts or balances you have, you still spent the money, so you just repay it as normal.

The time to challange this would have been before you ran up a balance on the new card, its an unusual situation granted, and the new account will most likely be unenforcable as you never signed a credit agreement for it, lot`s of these provider transfers were done in the 90`s, early noughties, without obtaining new credit agreements, egg card springs to mind, most are unenforcable because of this.

Marchitiello

sourcrates said:

Well it dosen`t really matter how many accounts or balances you have, you still spent the money, so you just repay it as normal.

The time to challange this would have been before you ran up a balance on the new card, its an unusual situation granted, and the new account will most likely be unenforcable as you never signed a credit agreement for it, lot`s of these provider transfers were done in the 90`s, early noughties, without obtaining new credit agreements, egg card springs to mind, most are unenforcable because of this.

But I am not sure what you are talking about apply here. First of all, according to a quick google search, the Barclaycard/BHS card was launched around 2009-2011. Secondly, they did not transfer it, as it was a brand new products from Barclaycard whilst the old product  by GE Money, was eventually bought by Santander... 

(edited to add: whilst some customer portafolios were indeed bought by Barclaycard, like eggs, Morgan Stanley, etc, those would have been enforceable transfers, and the old accounts would have carried over, but the old GE Money accounts were bought by Santander, that eventually  exited the “store card” market and replaced the branded cards with standard Santander MasterCard, and NewDay acquired most of this market)

I think the OP only query would be around how was the Barclaycard account open? I suspect, that Ona store visit, without making it extra clear, she was informed of the “new card” and they may have done a quick application on the spot, obtaining her signature, saying that it would all be taken care of (during my university’s years I worked for a retailer where we had incentives in signing in new accounts in stores). It is my conjectures but I guess it is very likely to have happened. 

PaulW922

Normally what happens here is that an old account with, say, GE Money is transferred to a new provider such as Barclaycard. Sometimes the cards get rebranded but it is still, effectively, the same credit agreement. Is that what happened here? If so, yes it is quite acceptable for Barclays to take over the old GE Money accounts and to later rebrand them.