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Cashplus fee problem for un-activated card


lionalcook
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hello all,

 

my girlfriend applied for a prepaid credit card last september

- i read the t&c's for her and it said the card had no fee's per month.

 

she loaded £32 on it and a further £4.95 for the cost of issuing the card.

 

she couldnt use it at stores as they kept saying it was invalid...

.i phoned cashplus and they said it had the £32.

 

tried it online at various times and it kept saying it was invalid.

 

I found out you could check the account online so i logged on at the beginning of the month for the first time

to find out whats been happening....

 

 

..2 things:

1.the card hadnt been activated - so i activated it.

 

2. they took out 3 payments of £4.95 a time for a dormancy fee...this is not mentioned in the t&c's.

 

I phoned them today and asked them what a 'dormany fee' is

....they said if the card is dormant between transactions for a long time they charge a fee...

...I asked is this on an active card.

..they said yes..

...I said so as the card was NOT activated until the start of the month

can you refund the 3 x £4.95 as the card wasnt active or dormant

- they flat out refused.

 

What can I do as they know they shouldnt be charging charges on a card that isnt active yet.?

 

TIA.

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I think that you should start off by telling us which company this is and also letting us have sight of the terms and conditions.

 

I suppose that they are probably a regulated company – by the FCA – and therefore subject to the FCA obligations to treat customers fairly including COBS.

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BF, the company is called "Cashplus" :)

 

http://www.cashplusdeluxe.co.uk/how_it_works.aspx

Edited by citizenB

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