Credit Card Company Lost My Credit Agreement.
Hi Folks
I was wondering if anyone could help me with this little dilemma or if anybody had heard of anything similar and knows where I stand.
Right, so a couple of months ago I rang my credit card company to cancel the payment protection I was paying, they agreed and said they would send me something to sign to confirm the request in writing. A few days later a letter turned up from the CC company but it wasn't a simple letter to confirm this cancellation request.......the letter read.
"Thank you for your recent request to cancel payment protection
Due to an administrative error, it would appear that we have been unable to locate your original application form for a XXXXXX credit card and we are therefore unable to verify your signature. This is a requirement for all correspondence received by us. We would kindly ask that you complete the form and return it to us in the envelope provided."
I didn't sign this letter when I received it as I didn't think something was right but at the time didn't really have time to think it through further but now on reflection (and due to the fact that they are trying to get hold of me twice a week and sending multiples of this letter) I think the bank are seriously in the wrong on this one with regards to the Data Protection Act 1998 and alike.
I would appreciate it if anyone knows where I stand legally on this and knows what my next step should be.
Many thanks and keep up the excellent work
Kind Regards
Bingo
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