Post Office Credit Card and Payment Protection

digipeep · 14 March 2008 at 12:41AM

I've never taken payment protection when I sign up for credit cards as I don't believe they are worth the money.

I had my first bill for my Post Office credit card and it had my balance transfer on it BUT it also had a charge for payment protection. Now I am 99% sure I never signed up for it so I called their customer service centre and they were adamant that I signed up for it, someone even managed to get my application form to confirm I signed for it. I can't dispute it as I didn't take photo copies of my application but I am very suspicious that they aren't telling the truth.

I have written a letter to a PO Box at the Mount Pleasant sorting office in East London asking for this worthless protection to be cancelled immediately as the service centre would not give cancel it over the phone.

I have some serious doubts about taking out this card from the Bank Of Ireland now.

exel1966 · 14 March 2008 at 12:54AM

A mistake has been made, possibly by them, possibly by you. If you dispute it was you simply ask them to verify the proof by sending you a copy of your application. I can see no reason why they would refuse a reasonable request.

Don't cancel the card as you'll be hurting yourself more than them if you like to use your card abroad.

digipeep · 14 March 2008 at 1:01AM

I didn't think about asking them to send me a copy of my application form, I'll get on to that in the morning thanks.

What worries me is that they told me to write to a PO Box in East London to get the Payment Protection cancelled which I find very dubious. Not very professional.

exel1966 · 14 March 2008 at 1:08AM

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IMPORTANT INFORMATION ABOUT OUR INSURANCE SERVICES
Who are we?

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Post Office Ltd, whose Registered Office is at 80 Old Street, London, EC1V 9NN, is an appointed representative of The Governor and Company of the Bank of Ireland which is authorised by the Irish Financial Regulator and the Financial Services Authority; regulated by the Financial Services Authority for the conduct of UK business. You can check this on the FSA’s Register by visiting the FSA’s website https://www.fsa.gov.uk/register or by contacting the FSA on 0845 456 1555.

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What service will we provide?

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We will provide information on Payment Protection Insurance, Purchase Protection Insurance and Card Protection Insurance.You will not receive advice or a personal recommendation from us. You will need to make your own choice about how to proceed, based on the information we will provide to you.

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Whose products do we offer?

• • [FONT=Arial,Arial]We offer Payment Protection Insurance, with disability, hospitalisation, unemployment and critical illness cover underwritten by AXA Insurance UK plc , and with life cover underwritten by AXA Sun Life plc; and

• • We offer Purchase Protection Insurance, underwritten by AXA Insurance UK plc.

• • We offer Card Protection Insurance from ACE European Group Limited
We are contractually obliged to deal only with the insurance products of the above quoted companies in relation to the Post Office® credit card.
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How to make a complaint

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If you wish to register a complaint regarding the service we have provided, you should do so:

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In writing to:

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Customer Care Team
Post Office® Financial Services
PO Box 27
Bristol BS99 7AX

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By phone to: [FONT=Arial,Arial]0845 607 6500

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By fax to: [FONT=Arial,Arial]0117 943 7386

Upon receipt of your complaint we will attempt to address the difficulties you may have encountered immediately. Where your complaint is as a result of the actions of one of the product providers noted above, we will advise you on the most appropriate course of action to help you resolve your issues of concern.
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Post Office Credit Card and Payment Protection

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