credit cards - your rights - uk

7/30/2019 Credit cards - your rights - UK

1/12

Mz`dkt mazd}


2/12


3/12

Mz`dkt mazd} az` a w`z{ }ag` aed moewèkèt xa{ og

~a{keh goz tbkeh} ke }bo~} at bof`# oecke` oz azoped

tb` xozcd% Peckl` ma}b oz mb`qp`}# kg }of`tbkeh ho`}xzoeh xbè p}keh {opz mazd# {op jè`t gzof pekqp`

c`hac ~zot`mtkoe% [op ac}o h`t `rtza ~zot`mtkoe tbzophb

wocpetaz{ zpc`} tbat acc PL mz`dkt mazd mof~aek`}

goccox# macc`d tb` Cèdkeh Mod`%

Tbk} cà`t xkcc b`c~ {op ped`z}taed {opz zkhbt}9

kg {op doet h`t xbat {op ~akd goz oz kt tpze} opt to j`gapct{># oz kg {op ~akd j{ d`jkt mazd%

]ktpatkoe} xb`z` {op mopcd j` ètktc`d to a z`gped tbzophb

mbazh`jaml kemcpd`9

kg {op doet z`m`kw` hood} oz }`zwkm`} {op ~akd goz# actbophbtbk} k} `rtz`f`c{ zaz`+%

Acc keeomèt mazd&gzapd wkmtkf} az` ètktc`d to a z`gped# kemcpdkeh a z`gpedog ae{ ket`z`}t oz mbazh`} oe tb`kz ammopet a} a z`}pct og tb` gzapd% Kg {opzmz`dkt mazd mof~ae{ j`ck`w`} tbat {op x`z` z`}~oe}kjc` goz ae{ dk}~pt`dtzae}amtkoe}# kt} p~ to tb`f to ~zow` kt%

[opz zkhbt} kg {opz mz`dkt mazd d`takc} az`p}`d j{ a gzapd}t`z

Gzapd d`t`mtkoe

[opz mz`dkt mazd mof~ae{ fa{ moetamt {opajopt }p}~kmkop} tzae}amtkoe} j`goz` {op az``wè axaz` og tb`f% Tbk} k} j`map}` mz`dktmazd mof~aek`} doet ip}t z`c{ oe {op oz tb`~ockm` to t`cc tb`f ajopt gzapd tb`{ baw`}o~bk}tkmat`d d`t`mtkoe }{}t`f} to }~ot ae{pep}pac j`bawkopz oe {opz ammopet% Tbk} k}xb{ kt mae j` a hood kdà to c`t {opz mz`dktmazd mof~ae{ leox kg {op az` ~caeekeh a tzk~ajzoad# ~aztkmpcazc{ kg kt} eot }of`tbkeh {opp}pacc{ do%

Mz`dkt mazd} az` ae `rtz`f`c{ }ag` xa{ to ~a{% Gzapd co}}`} az` at tb`kzcox`}t c`w`c goz ow`z a d`mad` aed `wè kg {op az` pegoztpeat` èophbto j` a wkmtkf {op az` ~zot`mt`d%


7/12

Ket`z`}t zat` kemzà}`}

[opz mz`dkt mazd mof~ae{ xkcc moetamt {op at cà}t =>da{} j`goz`baed kg tb`{ az` ~caeekeh to kemzà}` {opzket`z`}t zat`# to accox {op to d`mkd` xbat {op xaet todo% Tb`{ xkcc ac}o z`fked {op j`goz` tb` mbaeh`} tal``gg`mt%

[op az` accox`d 7> da{} to d`mkd` kg {op xaet to zì`mttb` kemzà} % Kg {op zì`mt kt# {opz ammopet xkcc j` mco}`daed {op xkcc j` ajc` to ~a{ ogg {opz `rk}tkeh jacaem` at

{opz mpzzèt ket`z`}t zat`% ]of` mof~aek`} fa{ c`t {optzae}g`z tb` jacaem` to aeotb`z mazd oz coae# `ktb`z at{opz mpzzèt ket`z`}t zat`# oz a cox`z oe`%

Tb`}` zpc`} doet a~~c{ xbè {opz ket`z`}t zat`mbaeh`} at tb` èd og a ~zofotkoeac ~`zkod# oz kg {opbaw` ahz``d to a wazkajc` ket`z`}t zat` j`goz`baed "goz`raf~c # kg {opz zat` tzaml} tb` Jael og @ehcaed Ja}`Zat`+%

[opz zkhbt} kg mbaeh`} az` fad` to {opz ammopet

Mz`dkt ckfkt kemzà}`}

Kg {opz mz`dkt mazd mof~ae{ ~cae} to kemzà}` {opz mz`dkt mazd ckfkt tb`{ xkccmoetamt {op at cà}t => da{} j`goz`baed% [op baw` tb` zkhbt to z`gp}` tb`kemzà}` aed to o~t opt og ae{ gptpz kemzà}`}%

[op mae tpze doxe a mz`dkt ckfkt kemzà}` j{ xzktkeh to {opz mz`dkt mazdmof~ae{% [op mae ac}o tpze doxe ae kemzà}` oecke` oz j{ ~boe`%

Gzof tkf` to tkf`# {opz mz`dkt mazd mof~ae{ fkhbt act`z {opz ket`z`}tzat` oz kemzà}` {opz mz`dkt ckfkt% Tb` Cèdkeh Mod` }`t} opt zpc`} gozmz`dkt mazd mof~aek`} tbat }a{ xbè aed box ogtè mbaeh`} mae j`fad` aed xbat tb`{ fp}t t`cc {op%


8/12

D`takc} ajopt a mazd} gàtpz`} aed mbazh`} kemcpdkeh ket`z`}t zat`}

mae j` goped ke a }pffaz{ jor# xbkmb a~~àz} oe acc }tat`fèt}

aed fazl`tkeh fat`zkac}%

Kg {op baw` j`è ogg`z`d ae ketzodpmtoz{ ~zofotkoeac zat`# tb`

mof~ae{ xkcc z`fked {op gopz to `khbt x``l} j`goz` kt mof`} to ae

èd%

[op xkcc z`m`kw` a foetbc{ }tat`fèt "pec`}} tb`z` k} eo jacaem` oe

tb` ammopet aed {op baw` fad` eo tzae}amtkoe}+% Tbk} xkcc ac}o

moetake a }pffaz{ jor%

[opz }tat`fèt xkcc }box tb` `}tkfat`d ket`z`}t {op baw` to ~a{ tb`

goccoxkeh foetb# ~zowkd`d {op ~a{ oe tkf` aed doet }~èd ae{

foz`%

]taztkeh ke :>1:# {op xkcc z m`kw` ae `rtza mz`dkt mazd }tat`fèt

oem` a {àz# leoxe a} ae Aeepac Mz`dkt Mazd ]tat`fèt% Tb` e`x

{àzc{ }tat`fèt xkcc }pffazk}` box fpmb {op baw` }~èt aed ae{

mbazh`} {op baw` bad to ~a{ ow`z tb` ca}t 1: foetb}%

Kg {op p}pacc{ z`~a{ oec{ tb` fkekfpf afopet oe {opz jacaem`

"oz a ckttc` jkt foz`+# {opz mz`dkt mazd mof~ae{ fa{ moetamt {op to

t`cc {op tbat tbk} k} a mo}tc{ xa{ og ~a{keh ogg {opz jacaem % Tb`{

fa{ ac}o hkw` {op moetamt d`takc} goz gz`` d`jt adwkm`%

[opz zkhbt to mcàz kegozfatkoe

To b`c~ {op mof~az` dkgg`zèt mazd}# mz`dkt mazd mof~aek`} ~zowkd`kegozfatkoe ajopt ket`z`}t# mbazh`} aed otb`z ammopet gàtpz`} oe accog tb`kz mazd}%


9/12

Mktkyè} Adwkm` "@ehcaed aedXac`}+xxx%mktkyè}adwkm`%ozh%pl@ehcaed9 >2444 111 444Xac`}9 >2444 88 :> :>

[opz zkhbt} kg {op az` ke eaemkac dkgmpctk`}

Z`~a{fèt }p~~ozt

Kg {op az` xozlkeh xktb a d`jt&adwkm` ahèm{to d`w`co~ a z`~a{fèt ~cae# {opz mz`dkt mazdmof~ae{ xkcc hkw` {op a jzàtbkeh }~amòg => da{}# dpzkeh xbkmb tkf` tb`{ xkcc eotatt`f~t to z`mow`z tb` foe`{ {op ox % Kg {opbaw` fad` ~zohz`}} dpzkeh tbk} ~`zkod# jpt

}tkcc e``d foz` tkf`# tb` jzàtbkeh }~am` fa{j` `rtèd`d goz p~ to => foz` da{}%

Mktkyè} Adwkm` Eoztb`ze Kz`caedxxx%mktkyè}adwkm`%mo%pl

Moe}pf`z Mz`dkt Mope}`cckeh ]`zwkm`xxx%mmm}%ozh%pl>2>> 1=2 1111

Eatkoeac D`jtcke`xxx%eatkoeacd`jtcke`%mo%pl>2>2 2>2 4>>>

Pe`r~`mt`d mbaeh`} ke {opz ~`z}oeac aed eaemkac mkzmpf}taem`}mae agg`mt {opz ajkckt{ to z`~a{ xbat {opw` jozzox`d% Mz`dktmazd mof~aek`} baw` a epfj`z og fà}pz`} ke ~cam` to }p~~oztae{ mp}tof`z xbo k} }tzphhckeh eaemkacc{ aed to tzàt tb`f}{f~atb`tkmacc{ aed gakzc{%

D`jt adwkm`

Mz`dkt mazd mof~aek`} xkcc moetamt mp}tof`z} xbo a~~àz to j` bawkehdkggkmpct{ ke ~a{keh tb`kz jkcc} to ogg`z }p~~ozt% Tb`{ xkcc ogg`z o~tkoe} aed hkw`d`takc} og gz`` ked`~èdèt d`jt&adwkm` ahèmk`}%

Mktkyè} Adwkm` ]motcaedxxx%ma}%ozh%pl>1=1 00> 1>>>


10/12

To tb` Gkeaemkac Ofjpd}fae ]`zwkm`

Kg agt`z mof~cakekeh to {opz mz`dkt mazd mof~ae{{opz` eot }atk}gk`d xktb box {op baw` j`è

tzàt`d oz tb` optmof`# {op mae z`g`z {opzmof~caket to tb` Gkeaemkac Ofjpd}fae ]`zwkm`%Tb` ofjpd}fae k} ked`~èdèt aed kf~aztkacaed xkcc z`wk`x {opz mof~caket j{ x`khbkeh p~ acctb` gamt}% Tbk} k} a gz`` }`zwkm`%

Kg tb` ofjpd}fae d`mkd`} ke {opz gawopz aed{op baw` co}t opt gkeaemkacc{# tb`{ mae ozd`z {opzmz`dkt mazd mof~ae{ to ~pt tbkeh} zkhbt% Tb`kz

d`mk}koe k} jkedkeh oe mz`dkt mazd mof~aek`}# jpt{op doet baw` to amm`~t tb`kz d`mk}koe% [op fa{tal` {opz ma}` to mopzt jpt tbk} fa{ tal` coeh`zaed j` `r~è}kw`%

Gkeaemkac Ofjpd}fae ]`zwkm`xxx%gkeaemkac&ofjpd}fae%ozh%pl

>2>> >:= 4078>=>> 1:= ; 1:=

Box to mof~cake

To {opz mz`dkt mazd mof~ae{

Acc PL mz`dkt mazd mof~aek`} baw` xzkttè~zom`dpz`} goz baedckeh mof~caket}# xbkmbtb`{ xkcc hkw` {op kg {op a}l% Kg {opz mz dkt mazdmof~ae{ maeeot dàc xktb {opz mof~caket j{ tb`da{ agt`z tb`{ z`m`kw` kt# tb`{ xkcc xzkt` to c`t {opleox tbat tb`{ az` coolkeh keto kt% Tb`{ fp}t t`cc{op ajopt tb`kz ~zohz`}} aed fal` }pz` tbat {op

z`m`kw` a gkeac z`}~oe}` xktbke `khbt x``l}%


11/12

Goz foz` kegozfatkoe

Tb` PL Mazd} A}}omkatkoe

: Tbofa} Foz` ]qpaz`Coedoe @1X 1[Exxx%tb`plmazd}a}}omkatkoe%ozh%pl~z`}}Nplmazd}%ozh%pl

Tb` C`edkeh Mod`xxx%c`edkeh}taedazd}joazd%ozh%plkegoNc}tdj%ozh%pl


12/12

credit cards - your rights - uk

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