markie g
Distinguished Member
- Joined
- May 25, 2008
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A bit of a long story short I applied for a credit card at the end of July and due to the incompetent at the card company my application got stuck within the system. I've had absolutely zero contact from the card company during this process and was me having to call and chase every step of the way.
3 calls (over 2hrs total) and 1 month later i still hadn't had a decision on my application so i raised a complaint thinking this would speed up the process.
Another 3 calls (again about 1.5hrs total) and another 15 days later i still had no update on my application but promised my complaint would be resolved by the 1st Oct.
I eventually received my card (about 55 days from the original application) and everything is fine but my complaint still hasn't been dealt with. I've received another letter today stating that my complaint will now be dealt with by mid November. The complaint is now 57 days old so i'm within my right to take this up with the financial ombudsman, but my question is am i better waiting out the complaint with the card company or raising with the FO?
I needed the card fairly quick, so this has had some impact on me (I had to borrow money from family), and my main issue is I work away a lot and meant i spend majority of my inclusive minutes of my mobile plan calling the card company so looking for at least 2x months phone contract bill covered as compensation... but the way i've been messed about makes me think of going with the FO for max compensation.
3 calls (over 2hrs total) and 1 month later i still hadn't had a decision on my application so i raised a complaint thinking this would speed up the process.
Another 3 calls (again about 1.5hrs total) and another 15 days later i still had no update on my application but promised my complaint would be resolved by the 1st Oct.
I eventually received my card (about 55 days from the original application) and everything is fine but my complaint still hasn't been dealt with. I've received another letter today stating that my complaint will now be dealt with by mid November. The complaint is now 57 days old so i'm within my right to take this up with the financial ombudsman, but my question is am i better waiting out the complaint with the card company or raising with the FO?
I needed the card fairly quick, so this has had some impact on me (I had to borrow money from family), and my main issue is I work away a lot and meant i spend majority of my inclusive minutes of my mobile plan calling the card company so looking for at least 2x months phone contract bill covered as compensation... but the way i've been messed about makes me think of going with the FO for max compensation.