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NSW Breach of Credit Card Contract by Woolworths?

Discussion in 'Debt and Bankruptcy Law Forum' started by dalnmelb, 20 March 2015.

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  1. dalnmelb

    dalnmelb Member

    20 March 2015
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    Hi, I am currently in dispute with Macquarie Bank ( Woolworths credit card) as I believe that they are in breach of our contract. I have a credit card with them but they have done several things that made me complain:

    They withdrew $635.77 from a savings account without my knowledge a week before Christmas,

    They did not update my name and address on their system for over 12 months even though I sent through my marriage certificate and emailed and called them several times to do so.

    They did not send me statements.

    They deleted emails I sent to contact them without even reading them.

    I am dealing with them through FOS ( Financial Ombudsman Service) at the moment and the bank has agreed to refund back the $635.77 but something tells me that they are in breach of contract?
  2. Ivy

    Ivy Well-Known Member

    10 February 2015
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    Hi there,

    To check if Macquarie Bank/ Woolworths made a contractual agreement with you that they have broken, you can read through the contractual documentation that was sent to you with your credit card.

    I can understand your frustration at the bank's conduct however I am not sure what your legal concern is here exactly now that the bank will be refunding the money:
    1. They took a long time to update your details. Has that caused issues for your aside from the obvious frustration and annoyance?
    2. Regarding the bank statements: Have you been provided with the bank statements now? Is the issue that they weren't mailed to you (ie you could see them online but didn't have a hard copy) or that you didn't/ don't have them at all? If you still don't have any statements in any form, then this is an issue.
    3. How do you know they deleted emails without reading them?

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