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JaJa credit card unexplained closure of account
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IanManc said:thanksmartin said:Both me and my partner had this closure email. Furious, my partner raised a complaint and 1 week later got 3-4 page letter saying nothing more to explain their decision. I suspect their reason is to do with stopping the free exchange rates on spending abroad. I expect it only affect customers transferred from the post office. I am about to complain to them and get my 3-4 page of nothing, at least it will inconvenience them just as it has me.IanManc said:thanksmartin said:Both me and my partner had this closure email. Furious, my partner raised a complaint and 1 week later got 3-4 page letter saying nothing more to explain their decision. I suspect their reason is to do with stopping the free exchange rates on spending abroad. I expect it only affect customers transferred from the post office. I am about to complain to them and get my 3-4 page of nothing, at least it will inconvenience them just as it has me.0
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MattMattMattUK said:thanksmartin said:Both me and my partner had this closure email. Furious, my partner raised a complaint and 1 week later got 3-4 page letter saying nothing more to explain their decision. I suspect their reason is to do with stopping the free exchange rates on spending abroad. I expect it only affect customers transferred from the post office. I am about to complain to them and get my 3-4 page of nothing, at least it will inconvenience them just as it has me.0
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owitemisermusa said:Ach! Got the email too.
I have a positive balance, from a recent refund. Guess I have to spend it or will they automatically pay me out?
Shame as I use it for most of my online shopping and overseas spend. Used to feel good to sock it to paypal when they try to get me to pay using their forex rate, lol!
Damn, I need another fee free holiday/overseas spending card....
I tried to pay for something online, about €500, but it wouldn't go through. Tried using paypal (linked to the Jaja card) and directly but failed about 5/6 times. Worked with another card so I thought maybe Jaja is blocking stuff.
Anyone else have this experience?Tough times never last longer than tough people.0 -
thanksmartin said:MattMattMattUK said:thanksmartin said:Both me and my partner had this closure email. Furious, my partner raised a complaint and 1 week later got 3-4 page letter saying nothing more to explain their decision. I suspect their reason is to do with stopping the free exchange rates on spending abroad. I expect it only affect customers transferred from the post office. I am about to complain to them and get my 3-4 page of nothing, at least it will inconvenience them just as it has me.
Finally, all our financial institutions operate on this basis, they lend based on risk profiles and their appetite for risk, they close accounts which move outside of the risk profile they are happy with. Any financial institutions can close your account at any time and they do not have to (and never do) give a reason.2 -
owitemisermusa said:owitemisermusa said:Ach! Got the email too.
I have a positive balance, from a recent refund. Guess I have to spend it or will they automatically pay me out?
Shame as I use it for most of my online shopping and overseas spend. Used to feel good to sock it to paypal when they try to get me to pay using their forex rate, lol!
Damn, I need another fee free holiday/overseas spending card....
I tried to pay for something online, about €500, but it wouldn't go through. Tried using paypal (linked to the Jaja card) and directly but failed about 5/6 times. Worked with another card so I thought maybe Jaja is blocking stuff.
Anyone else have this experience?
My husband has a JaJa card on my account - ever since it was transferred from PO to JaJa, he has never been able to use it online / over the phone, only in person. I did call them about this (maybe late 2021) & they refused to acknowledge there was a problem.1 -
Our postie has just delivered this which made me laugh,
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kipsterno1 said:Our postie has just delivered this which made me laugh,
Why? Seems a sensible bit of marketing to me; if Post Office still have records indicating customers previously held a BoI co-branded product, which they now understand to be about to be closed enmasse...
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WillPS said:kipsterno1 said:Our postie has just delivered this which made me laugh,
Why? Seems a sensible bit of marketing to me; if Post Office still have records indicating customers previously held a BoI co-branded product, which they now understand to be about to be closed enmasse...0 -
I was also moved from Post Office to Jaja. I took the card out originally to use abroad but now regularly use. Like many others they have now decided to close my account. Perhaps it is because I use for lots of small transactions, although they add up to at least £100 - £200 per month. Disgusted, no explanation as to why I am less desirable than my Mother who also has a card with them. Now got a Barclaycard Rewards card based on MSE's recommendations for cards to use abroad and so far happy with the alternative but will test in the EU next month.1
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Karen_Cardiff said:I was also moved from Post Office to Jaja. I took the card out originally to use abroad but now regularly use. Like many others they have now decided to close my account. Perhaps it is because I use for lots of small transactions, although they add up to at least £100 - £200 per month. Disgusted, no explanation as to why I am less desirable than my Mother who also has a card with them. Now got a Barclaycard Rewards card based on MSE's recommendations for cards to use abroad and so far happy with the alternative but will test in the EU next month.
Your mother will probably also be getting a similar notification, unless she is deemed to be profitable.
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