Curve Card - Charging £50 to cancel

AspieLawyer

The Curve Card is trying to charge me £50 to cancel even though it has never worked. I only signed up to use Samsung Pay and now I have worked out how to use Google Pay which uses my own cards it wants to charge me £50 to cancel when I have never managed to get it working even. I am minded to refer this to the FCA

[Deleted User]

The FCA don't deal with consumer matters

You can complain to Curve first though check the terms as to why they are charging you £50, did you get a sign up incentive or something? After you complain they have 8 weeks to respond before you can refer to the FOS (not the FCA)

wiseonesomeofthetime

Why not just remove your cards from the app, cut up the card, and don't use it?

That should be FREE.

born_again

@AspieLawyer

Which Acc did you sign up to? As it seems that the Samsung Pay acc, is different from the normal Curve acc.

https://www.curve.com/en-gb/legal/samsung-pay-card/

How can you close your account?

You can cancel your account at any time by emailing us at support@curve.com or contacting us in the Curve app. You’ll get a refund of any subscription fees you’ve paid if you change your mind within the first 14 days of signing up (the “cooling off” period). You will be charged pro rata if you have used any of the Curve services (including receiving a card).

On closing your account, you still need to pay us any fees you owe us or any transactions that have not yet completed. You’ll also need to make sure you cancel any outgoing payments you don’t want to pay anymore. If any balance is still remaining on your account when your account is closed you can request to have these funds returned to a bank account in your name, subject to our checks. You forfeit your rights on these funds if you do not claim these funds within 6 years from the date your account was closed. During this period your funds will be kept safe as required by law. 

COMPLAINTS

How can you make a complaint?

We hope you don’t ever need to but if you do ever want to complain, you can contact us at complaints@curve.com or via the Curve app. We’ll try and fix your problem as soon as we can. Our final response to your complaint, or a letter explaining why the final response has not been completed, will be provided within 15 business days after your complaint has been made, and in exceptional circumstances, within 35 business days (and we will let you know if this is the case). Just so you know, our complaints management and customer service is currently, only in English.

If you’re still not happy you can refer your complaint to the Financial Ombudsman Service within 6 months of the date we send our final response to you.

dr_adidas01

wiseonesomeofthetime said:

Why not just remove your cards from the app, cut up the card, and don't use it?

That should be FREE.

Unless they charge a monthly or annual fee for using it. 

In which case I would imagine that it will continue to charge the card used despite it being removed. 

Or there’s a possibility that they could get a debt collector involved if the OP doesn’t pay the fee. 

Which doesn’t make it free then does it!?!

dr_adidas01

AspieLawyer said:

The Curve Card is trying to charge me £50 to cancel even though it has never worked. I only signed up to use Samsung Pay and now I have worked out how to use Google Pay which uses my own cards it wants to charge me £50 to cancel when I have never managed to get it working even. I am minded to refer this to the FCA

What type of card do you have as I can’t find anything in the T&C’s for a £50 fee for there standard card. 

There is a fee for cancelling a Curve Metal which is £50 so I’m guessing this is what you have? 

Note: If you cancel your Curve Metal contract after 14 days but before 6 months, you'll be liable to pay a £50 fee. 

wiseonesomeofthetime

dr_adidas01 said:

wiseonesomeofthetime said:

Why not just remove your cards from the app, cut up the card, and don't use it?

That should be FREE.

Unless they charge a monthly or annual fee for using it. 

...

Which doesn’t make it free then does it!?!

Yeah, of course.

Because I just have the basic free Curve card, and have done since 2017, I forgot about the subscription cards.

I stand corrected.

pjread

If you signed up for metal and can make use of the 1% cashback (shopping etc) you might as well use it until 6 months to avoid the cancellation charge unless you won't spend enough to make up the difference.  Presumably at the point you agreed to the £14.99/m you were happy with that cost, otherwise you would have just got the free card...?