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brokenhome

old midland bank access credit card - removing additional card holder

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How horrible can some women be!

I had a similar with an ex.

 

She had a credit card on my account.

When we split up the card company wouldn't cancel it.

They said i had to cut it up and return it to them.

 

One day she called at my house and left the card

- so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived".

 

My ex made one call, said the dog had eaten the card and they immediately sent her a new card.

Naturally they refused to do anything for me.

Ditto the police.

 

I was told by a [removed] that my only option would be to declare myself bankrupt.

Moral of the story?

Be a woman.

Edited by dx100uk
Spacing..swearing

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Broken home, it isn't just women who behave badly, we also get women who have been left with debt by men.

 

Anyway, back to advising Indie.

 

HB


Illegitimi non carborundum

 

 

 

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How horrible can some women be!

I had a similar with an ex.

 

She had a credit card on my account.

When we split up the card company wouldn't cancel it.

They said i had to cut it up and return it to them.

 

One day she called at my house and left the card

- so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived".

 

My ex made one call, said the dog had eaten the card and they immediately sent her a new card.

Naturally they refused to do anything for me.

Ditto the police.

 

I was told by a [removed] that my only option would be to declare myself bankrupt.

Moral of the story?

Be a woman.

 

What do you mean by 'on your account'

If you mean drawing by dd against a bank account in your name only, then you should have simply cancelled the dd

 

If she was an additional card holder on a credit card you had, then you were legally entitled to remove her from the agreement....


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What do you mean by 'on your account'

If she was an additional card holder on a credit card you had, then you were legally entitled to remove her from the agreement....

The card issuer, Access, said not. Or at least not until i had returned her card to them.

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Then they were wrong

Own thread created


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Then they were wrong

Own thread created

 

Tar re thread.

 

Wrong or not, they refused to close the account.

They refused to cancel her card.

They refused to help me in any way whatsoever.

 

As i said, i even asked a solicitor and she told me i would need to declare myself as bankrupt before they would cancel the card.

 

p.s. it was an Access card NOT AmEx Access "Your Flexible Friend" - certainly to my ex!

Edited by dx100uk
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Access was brand run by numerous banks

Who was your issues by??


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It is a while ago but i think i was banking with the Midland (long before it became HSBC) at that time.

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Ok ta ill moved this and retitle


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Ok done

You were the primary card/account holder

Under the consumer credit act you can removed additional card holders at anytime

But if the card had a debt no you cant wholly close it without settling the balance

Oh well


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

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Access was simply a card brand - so you never actually did business with Access. You were doing business with a bank that supplied credit cards with the Access brand on them.You were actually in a credit agreement with an issuing bank, and not MasterCard.

 

IE Midland Bank...so I doubt today's legislation wouldn't apply to the card from 1972 to 1996.


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