Reply To: Important changes to your IHG One Rewards Premium Credit Card – closing

[JDB]

@RussellH – it doesn’t matter that you haven’t received a notice advising the closure of your account. There is no requirement for personal service of such documents, so in accordance with s176 of the Consumer Credit Act 1974 and s7 of the Interpretation Act 1978, simply sending the notice is sufficient, although the onus is on Creation to show it was indeed correctly sent. Very few documents need to be personally served and in much more serious circumstances such as the potential deprivation of your liberty or a Statutory Demand. It’s sort of obvious in that otherwise people would endlessly deny receipt of notices re traffic offences, enquiries from HMRC etc.

In the event you challenged the issue, and Creation were unable to prove correct service, as you have identified your measure of damages would be rather limited.