Don't ask, and thou shall still receive a credit card...

Wilbering

A few years ago I successfully applied for a loan. A few weeks later, I received a VISA credit card through the post. I did not ask for it, neither did I sign a credit agreement. Was this against the banking code of conduct?

I don't mind the fact that I signed the back and that I still owe around £800, but considering the debt has now passed to a nasty debt collecting agency, who won't accept token repayments (until I've sorted myself out), I'm currently thinking along the lines of "sod, them", and I might point out the fact that I didn't sign a credit agreement.

Does anyone know of anyone else who received a credit card through the post, without asking for it?

MasterYourCard

It's definitely worth trying a junk-mail opt-out, though this is far from a guarantee.

http://www.royalmail.com/portal/rm/content1?catId=400126&mediaId=500081

Imani

the money you spent is not yours so......
suggest you speak with your local citizens advice
or try consumer credt counseling service cccs

you spent it you owe it. if you had not spent on it than you would have a case

bert&ernie

Imani wrote: »

you spent it you owe it. if you had not spent on it than you would have a case

A simplistic view and strictly speaking a true one. However, if the OP didn't sign an agreement, then what are the terms under which he should repay the money? In the absence of said agreement, it is very difficult for to enforce the terms of the implied contract.

That said, its possible that a credit card agreement was issued along with the loan documentation - its possible that the OP signed and returned this but didn't keep the customer copy. You can ask the lender for a copy of the agreement.

calibrax

Wilbering wrote: »

the debt has now passed to a nasty debt collecting agency, who won't accept token repayments (until I've sorted myself out)

Just because they say they wont accept token repayments, tell them it's all you can afford and you'll do it anyway. Tell them you'll send them £10 a month and make sure you stick to it. The chances are they won't take you to court if they are getting some cash out of you regularly, no matter how small.

itsnever2lateisit?

Take a look in the DebtFree wannabe board, plenty of help there. Try requesting the CCA which (if you ask correctly) the DCA MUST supply to you, no CCA then the debt is unenforcable