I applied for a tesco Credit card ago (approx 7 months ago). It took so long to process I decided to go elsewhere (MBNA) and transfered my BOI credit card balance to MBNA instead and closed my BOI account. Easy as ...or so I thought!
Last month however I received my tesco credit card. I was surprised as I had forgotten I had applied for it. I rang them and said I didn't want it and that the balance that I had initially applied to tranfer was gone to MBNA and the BOI a/c was closed. They said that it was all ok as long as I didn't activate the card. I was assured that no balance transfer would take place without the activation of the crad. (There was the usual phone number stuck to the card to ring if I wanted to activate the card)
However ....this morning I received a credit card bill from Tesco looking for payment! In order words they had transfered money in to my now closed account after I had said I didn't want them too and without me without activating the card.
I rang them and they told me I had been misinformed! They said they could do this without me activating my card!
Tough luck now pay back the money. I said that BOI would give me a draft and I would post it to them. The Tesco people didn't know what a bank draft was!!! Also I am unsure if the draft will get there before the due payment date so i will obviously penilised for their mistake! In addition as I don't have the card (i tore it up when I wasn't taking them up on the offer) I am unable to pay through the post office.
Anyway what I want to know is....can they transfer the balance to my closed a/c when I specifically rang them and said I didn't want the card before they did it???
And ...has anyone else experience the pathetic customer service I endured today???
Thanks in advance
J
Last month however I received my tesco credit card. I was surprised as I had forgotten I had applied for it. I rang them and said I didn't want it and that the balance that I had initially applied to tranfer was gone to MBNA and the BOI a/c was closed. They said that it was all ok as long as I didn't activate the card. I was assured that no balance transfer would take place without the activation of the crad. (There was the usual phone number stuck to the card to ring if I wanted to activate the card)
However ....this morning I received a credit card bill from Tesco looking for payment! In order words they had transfered money in to my now closed account after I had said I didn't want them too and without me without activating the card.
I rang them and they told me I had been misinformed! They said they could do this without me activating my card!
Tough luck now pay back the money. I said that BOI would give me a draft and I would post it to them. The Tesco people didn't know what a bank draft was!!! Also I am unsure if the draft will get there before the due payment date so i will obviously penilised for their mistake! In addition as I don't have the card (i tore it up when I wasn't taking them up on the offer) I am unable to pay through the post office.
Anyway what I want to know is....can they transfer the balance to my closed a/c when I specifically rang them and said I didn't want the card before they did it???
And ...has anyone else experience the pathetic customer service I endured today???
Thanks in advance
J