i am having financial problems and had to cut my payments on my credit card around 4 months ago, they told me to cut up the card and not try use it again which i did, i am trying to get them to look at my case for hardship, in the meantime while i pay £20 per month they are putting charges and interest on my account at at least £80 per month, once they establish my troubles they will knock off the future interest and charges. they phoned me friday to say i used the card on the 24th december which i denighed, it turns out that i cancelled my car insurance around the 16th december and at the same time cancelled the direct debit, because the car insurance company couldn't get the money from my bank they went back and tried to get the money off my credit card, and you guessed it, the credit card paid them, so now the credit card people are saying they will not consider me for hardship now because i have used the card, the car insurance company have said they will not refund the money to my credit card company. i didn't give anybody any permission to pay this money out, so why should i suffer, i didn't even know the card was still active, nice of the credit card company to stop me using the card but let everybody else use it at my expence, what can i do about this, what about an ombudsman, any ideas.
- posted
20 years ago