Hi everyone.
I got myself one of those currency cards a few years ago. Sent to my UK address, all proof for verification was from the UK (passport, bank statement) and I declared I was a UK citizen on the application. It was a card company that operates in both the UK and the USA. Useful for me as I needed to set up a standing order in the USA.
I recently found fraud on the card, and reported it. According to the (European) terms of the cards, this should have been refunded immediately.
I pointed this out. Was ignored for ten days.
Today, an email was sent to me stating they had ten days as per the USA terms of the card to respond, and they considered this the correct way to go about things as there is a USA address listed on my profile.
Very confusing, I did not know this USA address was listed on the account. Also odd is that it is a USA address that I don't use, and is the address for the company I make a standing order payment to each month.
To further complicate matters they have turned down my claim, because almost 5 years ago I was in dispute with them about a separate product they offer (not a card account), again as a UK based customer. We agreed to settle for a very small amount of money, and they had me sign something stating that I agree to not pursue any claims against them. See photo attached.
I don't even remember signing this. Can anyone tell me whether they are able to do this? To apply this agreement to claims that were not even in existence at the time? I certainly would not have accepted this if i thought so.
And are there any UK laws that overrule their right to ignore my rights after this fraud has occurred, if the above is the case, and finally, I am certain as a UK customer, who accepted their European Terms and Conditions when signing up with them, that I am bound by those terms, as are they. Does anyone have any thoughts on this facet of the matter?
I got myself one of those currency cards a few years ago. Sent to my UK address, all proof for verification was from the UK (passport, bank statement) and I declared I was a UK citizen on the application. It was a card company that operates in both the UK and the USA. Useful for me as I needed to set up a standing order in the USA.
I recently found fraud on the card, and reported it. According to the (European) terms of the cards, this should have been refunded immediately.
I pointed this out. Was ignored for ten days.
Today, an email was sent to me stating they had ten days as per the USA terms of the card to respond, and they considered this the correct way to go about things as there is a USA address listed on my profile.
Very confusing, I did not know this USA address was listed on the account. Also odd is that it is a USA address that I don't use, and is the address for the company I make a standing order payment to each month.
To further complicate matters they have turned down my claim, because almost 5 years ago I was in dispute with them about a separate product they offer (not a card account), again as a UK based customer. We agreed to settle for a very small amount of money, and they had me sign something stating that I agree to not pursue any claims against them. See photo attached.
I don't even remember signing this. Can anyone tell me whether they are able to do this? To apply this agreement to claims that were not even in existence at the time? I certainly would not have accepted this if i thought so.
And are there any UK laws that overrule their right to ignore my rights after this fraud has occurred, if the above is the case, and finally, I am certain as a UK customer, who accepted their European Terms and Conditions when signing up with them, that I am bound by those terms, as are they. Does anyone have any thoughts on this facet of the matter?
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