Tuesday, 20 December 2011

Credit card problems abroad - when things go wrong on a joint account

We use Nationwide UK as our bank account and both have a visa card.  Steve is the primary account holder.  Last week the card was refused in a store in Spain and again this week on line shopping from UK.

I contacted Nationwide who completely refused to deal with me as Steve is the primary account holder.   Even being told he is seriously ill in hospital and speaking to a supervisor had no effect.  I asked could they simply investigate the problem and deal with it without telling me what the problem was and they said not.  I also asked to speak to someone in higher authority and was refused and told there was no one who could help as it was the data protection act that was the problem.

They said they would either accept a phone call from Steve or faxed authority to deal with me.  At this stage I will not put Steve through the stress of even knowing about this problem so I have drawn a blank.

Moral of this is that if you have a joint bank account MAKE SURE THE AUTHORITIES HAVE PERMISSION TO DEAL WITH BOTH ACCOUNT HOLDERS assuming all other banks are as unsympathetic as Nationwide.  

76 comments:

Kevin and Ruth said...

When I worked at Bank of America working with the crdit cards it is law that only the prime card holder can do anything with the credit card. It is like that with every bank and credit card.

One reason why we each have a credit card that each is the prime holder on. That way one will always work or at least that is the idea.

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Steve & Glen Swatman said...

Thanks Kevin, already thinking we may go down that path in the future and have individual accounts linked to our joint current account to pay them off in full each month. Just more hassle getting it all set up though. Glen

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