Abbey Zero Credit Card Review

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GrahamH70's Review of Abbey Zero Credit Card

4th Apr 2009

Overall Rating

0 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    6 - 12 Months
  • Customer service
    0 stars
Good Points

None


Bad Points

Sharp practices, and failing to obligation under Consumer Credit Act


General Comments

Appalling - doesn't seem to or want to accept the requirements of the Consumer Credit Act over the jointly and several liability with retailers in the case where things go wrong. I ordered stuff off the internet that failed to materialise after 28 days and I could not contact the supplier as there was no telephone number on the suppliers website, only an email address, which they never responded to. The address was a PO Box number. I disputed the transaction with Abbey Zero Credit Card who refused to accept the dispute because I hadn't talked to the supplier. I explained why I could not talk to them and the supplier wasn't responding to emails but Abbey Zero still refused to accept the dispute saying it wasn't valid. I explained that under the Consumer Credit Act, Abbey Zero had joint and several liability with the supplier if anything went wrong, but Abbey did not budge, they just said the dispute was invalid. I just ended up going around in circles. About 60 days later, my goods turned up (got lost in the courier's warehouse apparently!), which resolved the issue, but not happy with Abbey Zero. Seemed to be very sharp practices going on refusing to accept a dispute when they are under an statutory obligation to do so when things go wrong.

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