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The book is easy to understand and clearly explains the rights
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I'm doing this on behalf of my mum as she's wondering whether she was missold a Royal Bank of Scotland credit card.
She originally went into the bank to pay the monthly installment on a Kwik Fit/Style card and was asked by a bank employee whether she would be interested in taking an RBS card, which she could then use to transfer the balance from the Style card onto this. Apparently the RBS card had a much lower rate of interest. She agreed to this as it seemed to be a good deal.
After the application was accepted she then received a letter from the credit card operations saying that the balance transfer details supplied on the application form (which was originally filled in by the bank employee) were incomplete and they were unable to process the balance transfer request.
When she phoned to sort this out she was told that because the Kwik Fit card didn't have a 16 digit number it meant that this type of card was not accepted for balance transfers.
The only way to clear the Kwik Fit card was to do a money transfer which incurred immediate interest.
When my mum went in to pay something off the Style card a bank employee asked if she would be interested in taking out an RBS credit card. My mum mentioned that she had already been accepted for one but had been informed that she was unable to do a balance transfer from the Style card to the RBS one, the reason given was that because the card didn't have a 16 digit number across it. The employee just said "sorry about that" and that was it.
She also mentioned it on the phone to the RBS call centre and got exactly the same response.
Well you need to press this point - she would not have taken out the card if she had known. Staff error....mis-selling etc.
I would go as far as to request the cancellation of the account and correction of your credit file.
I am just giving you suggestions on what to do....I don't know if this will be successful.....just telling you what I would do to start with. If you don't have any success, see if you can stir up a bit more help from one of the experts on here.
If my post has been useful, tip my scales and let me know
Mis-sold credit card?
a Royal Bank of Scotland
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