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Dixons charging my credit card
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20-04-2009 4:57pm#1
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Call MBNA, and tell them you want to cancel your credit card, and open a new credit card account, because Dixons are charging your card without authorisation.
Ring Dixons - ask how come they say it is in your wife's name and yet it is being charged to your credit card.
The quickest way to stop future charges if the MBNA route of cancelling your card.
as far as i remember cancelling your card won't necessarily stop the charges. a recurring charge like this one isn't the same as a purchase.
i have a friend who still works in MBNA - i can ask her if you like. there is a specific dept that deals with this stuff but i can't for the life of me remember the name of it. i think it used to be called ''BACS''.
basically you have the right to get a copy of the agreement that dixons claim you or your wife signed. get the name and note the times you speak to EVERYONE concerned. every MBNA staff member log the details of every call on your account so you will have that to fall back on if there's any doubt of when you contacted them, etc.0 -
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Not cancelling the card, cancel the whole account.
ah ok, sorry, i misread that.
if you cancel the card only any recurring charges just go automatically onto the new card number.
if the OP wants to cancel the whole account and open a new one then dixons can't charge the new account (AFAIK), but of course he will have to pay off the balance that's on it in full first.
if he just puts into writing to MBNA that these charges aren't authorised though they have to investigate. keep copies of all letters of course!!0 -
ah ok, sorry, i misread that.
if you cancel the card only any recurring charges just go automatically onto the new card number.
if the OP wants to cancel the whole account and open a new one then dixons can't charge the new account (AFAIK), but of course he will have to pay off the balance that's on it in full first.
if he just puts into writing to MBNA that these charges aren't authorised though they have to investigate. keep copies of all letters of course!!
I was quite surprised at MBNA's attitude as described here - surely the customer should be the one in charge of their own account.
I would agree that you should make a complaint in writing to MBNA not only about Dixon's behaviour but also your own concern's about MBNA. Surely MBNA must have a formal complaints procedure for customers.
You should also contact IPSO who look after the card service in Ireland and ask them what your rights are (www.ipso.ie)
They are newspapers in England who have consumer columns dealing with such matters - certainly the Observer has a good one and you could inform Dixon's that you have forwarded full details of their behaviour to them.
Just an example: http://www.guardian.co.uk/money/2009/apr/05/consumer-affairs20 -
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