Credit Card company investigating my conduct

Hordak

Hi,

I was on the phone to my bank and came across an agent who was useless, I ended up losing my rag and made an obscene comment before hanging up. The bank said they're investigating. I have a promotional deal with them for 2 years. Can they void the contract on the grounds of conduct? Can they take legal action?

marcia_

Hordak said:

Hi,

I was on the phone to my bank and came across an agent who was useless, I ended up losing my rag and made an obscene comment before hanging up. The bank said they're investigating. I have a promotional deal with them for 2 years. Can they void the contract on the grounds of conduct? Can they take legal action?

 Yes they can void your contract if they decide they no longer want your business  due to your behaviour. 

Ayr_Rage

Yes, they may well close your account due to your abuse of their staff.

fatbelly

Current climate - highly likely.

If you get an unhelpful person, just hang up abruptly and phone again. The chances of getting the same person twice are remote

born_again

Abuse of staff is never tolerated. 
When you see someone reduced to tears due to behaviour such as above, which their is no excuse for. It makes it very hard to do the role. 

sourcrates

Legal action no, account closure yes.

If they decide not to do business with you anymore they can demand full repayment of any financial product you may have with them, or will agree terms if that`s not possible, if for any reason you don`t pay, then the account will go to debt collection.

martinbainbridge1975

if you aren't happy then counter complain, they would be obliged to investigate your concerns if the staff member lacked competence

born_again

martinbainbridge1975 said:

if you aren't happy then counter complain, they would be obliged to investigate your concerns if the staff member lacked competence

Still does not excuse "obscene comment"

Even swearing can result in acc closure if it carry's on after warnings.

Hordak

martinbainbridge1975 said:

if you aren't happy then counter complain, they would be obliged to investigate your concerns if the staff member lacked competence

I have. They upheld my complaint for their errors, but said they're investigating my conduct and will conclude what action they will take. 

born_again

It's not a contract, it's your account that they close.

I'm sure FOS know well about accounts being closed due to customer abuse of staff & they will back them up.

Hordak

born_again said:

It's not a contract, it's your account that they close.

I'm sure FOS know well about accounts being closed due to customer abuse of staff & they will back them up.

It's account with an agreement in force for 2 years. I'd be surprised if they ask me to pay 4.5k upfront because one of their colleagues was insulted. 

The FOS are investigating a separate matter, but apart of the complaint was that one incident.