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AvidFan

High Street Bank Refusing To Cancel My Credit Card

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I have a credit card with one of the part nationalised banks. Not the group itself, one of its wholly owned subsidiaries.

Always borrowed at 0% with them and saved the cash. Always been able to cancel the card over the 'phone.

Not this time. Flat refusal. I was told that I had to go and see my bank manager - not any old manager - the one at my nominated branch, and have an interview with him to discuss closure.

No idea why. Just wanted to clear some of the "dead" cards I'm carrying with a zero balance.

Anyone else being told they can't cancel their cards?

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Anyone else being told they can't cancel their cards?

No. Unless there's some very specific clause in the agreement you signed up to, you certainly don't have to go and see the bank in person to cancel yours either. Write them a letter telling them you're canceling it and send it by recorded delivery to the relevant address telling them you've cut the card up (which you've already done I assume).

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Or, take out loads more cards and buy loads of gold and silver off ebay and hide it somewhere safe. The go bankrupt - they're right you know, debt is wealth.

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Or, take out loads more cards and buy loads of gold and silver off ebay and hide it somewhere safe. The go bankrupt - they're right you know, debt is wealth.

I like that plan.

Back OT : I've tried to cancel a card that I've held for 15 years and the guy got quite irate on the phone. Started cutting the rate quite a lot so just to stop him sobbing on me I relented and kept it.

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When my Goldfish card became a Barclaycard, I told them on the phone I was cancelling (because I originally got the GF card, some years previously, because BC had fecked me off so much over their original loyalty scheme). They seemd to have ignored my verbal cancellation, and I'm not going to waste another 10-15 minutes of my life and a quid or two of my phone bill trying to get the message through their thick skulls a second time. Letters from them go in the bin/shredder now. Yours is a league up, though.

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When my Goldfish card became a Barclaycard, I told them on the phone I was cancelling (because I originally got the GF card, some years previously, because BC had fecked me off so much over their original loyalty scheme). They seemd to have ignored my verbal cancellation, and I'm not going to waste another 10-15 minutes of my life and a quid or two of my phone bill trying to get the message through their thick skulls a second time. Letters from them go in the bin/shredder now. Yours is a league up, though.

That's a high risk approach from the avoiding future hassle point of view. CC companies often, arbitrarily, decide to start charging fees for cards if you don't use them. If you have no written evidence to prove that you've canceled the card, you'll find it hard to prove that you don't owe them anything. Put it in writing, keep a photocopy and the proof that you sent it (and they received it) and they won't have a leg to stand on if it comes to court.

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I'm used to the hard sell - "please keep the card, you could get repeat special offers", or "we could just lower the limit so it doesn't impair your credit rating" and so on - from banks including at least one other bank in this group. But this was the 3-word sentence "No we can't" followed by "go see your bank manager". Weird.

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That's a high risk approach from the avoiding future hassle point of view. CC companies often, arbitrarily, decide to start charging fees for cards if you don't use them. If you have no written evidence to prove that you've canceled the card, you'll find it hard to prove that you don't owe them anything. Put it in writing, keep a photocopy and the proof that you sent it (and they received it) and they won't have a leg to stand on if it comes to court.

I keep my credit card for emergencies only - sometimes main debit card is locked out due to automated theft detection, had machine swallow it once etc. Would cancel it in a second if they started charging for it, the only annoyance atm is they keep sending through 'cheques' of money they want me to borrow. Likewise the main barclays account - offering me a loan of ~£20k at only 9.9% APR - when i've got a bit more than that sitting in the account anyway. Meh i'll let them waste their postage, and shred the lot!

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if any of these refuse to cancel the card, send an instruction by post, saying clearly that if they have not responded to you within 2 weeks confirming they wil close the card, you will complain to the Financial Ombudsman Service.

Miraculously, they will probably close your card PDQ. And if they don't, go to the financial ombudsman and complain, then they will finally close the card PDFQ. If not, go to the ombudsman again and extort money out of said financial institution.

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I have a credit card with one of the part nationalised banks. Not the group itself, one of its wholly owned subsidiaries.

Always borrowed at 0% with them and saved the cash. Always been able to cancel the card over the 'phone.

Not this time. Flat refusal. I was told that I had to go and see my bank manager - not any old manager - the one at my nominated branch, and have an interview with him to discuss closure.

No idea why. Just wanted to clear some of the "dead" cards I'm carrying with a zero balance.

Anyone else being told they can't cancel their cards?

I've got a MBna card with 5k limit on - I'd 'used' almost 2 grand and decided to pay it off in full.

The 'specialist' on the phone seemed taken a back when I said I wanted to pay the balance off, in full (as opposed to my minimum payment)

He said you can only pay up to £500 pound off over the phone?!

w ankers - never again.

Edited by The Chief

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I have a credit card with one of the part nationalised banks. Not the group itself, one of its wholly owned subsidiaries.

Always borrowed at 0% with them and saved the cash. Always been able to cancel the card over the 'phone.

Not this time. Flat refusal. I was told that I had to go and see my bank manager - not any old manager - the one at my nominated branch, and have an interview with him to discuss closure.

No idea why. Just wanted to clear some of the "dead" cards I'm carrying with a zero balance.

Anyone else being told they can't cancel their cards?

What do the T&Cs say?

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I've got a MBna card with 5k limit on - I'd 'used' almost 2 grand and decided to pay it off in full.

The 'specialist' on the phone seemed taken a back when I said I wanted to pay the balance off, in full (as opposed to my minimum payment)

He said you can only pay up to £500 pound off over the phone?!

****** s - never again.

I bet thje phone number is a pay-number, 08451 or whatever too!

in that case pay by bank transfer...

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What do the T&Cs say?

I don't think the T&Cs count - this will be covered by consumer/banking/credit law. A clear signed letter should be sufficient.

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I have a credit card with one of the part nationalised banks. Not the group itself, one of its wholly owned subsidiaries.

Always borrowed at 0% with them and saved the cash. Always been able to cancel the card over the 'phone.

Not this time. Flat refusal. I was told that I had to go and see my bank manager - not any old manager - the one at my nominated branch, and have an interview with him to discuss closure.

No idea why. Just wanted to clear some of the "dead" cards I'm carrying with a zero balance.

Anyone else being told they can't cancel their cards?

Cut it into pieces and send it recorded delivery to the chief exec, briefly explain the situation. Say to him that unless you receive a written and detailed explanation signed by him personally you will take this up with banking ombudsman and the press. Let him know that farming it out to whoever runs the unit will specifically not be acceptbale and will immediately regardless of the excuse rigger a report to the banking ombudsman and reports to the press..... shouldn't take two minutes to write and will stir up the prverbial hornets nest... what they are doing is illegal by the by, they are doing it not to revent you cancelling the card but to try and persuade you to come in for a sales meeting... they will have targets to meet on setting up meetings and this is one of the tactics they will be using.... and its illegal.

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Cut it into pieces and send it recorded delivery to the chief exec, briefly explain the situation. Say to him that unless you receive a written and detailed explanation signed by him personally you will take this up with banking ombudsman and the press. Let him know that farming it out to whoever runs the unit will specifically not be acceptbale and will immediately regardless of the excuse rigger a report to the banking ombudsman and reports to the press..... shouldn't take two minutes to write and will stir up the prverbial hornets nest... what they are doing is illegal by the by, they are doing it not to revent you cancelling the card but to try and persuade you to come in for a sales meeting... they will have targets to meet on setting up meetings and this is one of the tactics they will be using.... and its illegal.

I had the same problem with my Citicard here in the US. Wouldn't let me cancel. I called back and said to the guy"you know your message that says "this call may be recorded-well it is by me". Guess what happened?

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I had a similar problem myself I had a liverpool victoria cc then it changed to goldfish then barclys i have never used these for years and never activated the barclys one on moving home a few weeks ago cleaning up my mail address etc I found this barclys card I had forgot I had it I tried to cancel it over the phone but a tel no asked for I replyed wrong since its so out of date I assume it was my old tel no and to be honest I dont know it anyway I had to go to the bank in person to close it I have done it but an unused card with zero balance was very hard to close it and it took 10 mins in the bank for me just call in and be done with it

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Posted here because I thought it may have been indicative of an effort by stealth not to have the general public give up on credit. But judging by the responses in the thread, no-one else thinks so.

Edited by AvidFan

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