Maximise your Avios, air miles and hotel points

Forum Replies Created

  • in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Understood, thanks Rui. I did switch to earn points on another card at point of notice and have been able to use the points prior to notice already.

    The opportunity cost of having used a card that did not you earn anything when you could have used another card.

    • This reply was modified 54 years, 7 months ago by .
    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Thanks Steven, understood and a fair point. I feel that is why everyone’s individual circumstances warrant a different outcome or progression. For me, I could have spent on my BA PP card or as a supp. holder of my wife’s BA PP, but we have both already earned the 241 voucher so it would have been more Avios, no other bonus. I had plans for the IHG points I did accumulate up to account closure notice period and have used them already for a booking at Easter in the US. Therefore, in my circumstance, since I switched spending immediately on notice to the HSBC Premier MC, I still earned points elsewhere. I haven’t lost any IHG points at all.

    I agree that the free night is also based on what anyone deems to be fair or not – in your example, having it cancelled 1 day prior to it being awarded could not be construed as fair by any reasonable party. Again though, that isn’t my circumstance.

    Your circumstance does sound different and I 100% agree that having it closed without notice isn’t legal and I would be contesting that all the way – good luck!

    @Scottpat78, you could have spent elsewhere to earn say a Virgin Rewards Voucher instead of not getting the IHG voucher. That’s the opportunity cost.

    You are legally entitled to any points earned during the 2 month closure window. The fact you chose not to, and therefore not needing to fight it, is your choice. But you’ll be alone in that choice.

    No company has the right to deny benefits during the notice period. It’s the same as an employer denying you pay during a notice period.

    I personally would have fought for the free night voucher as, while the closure for you may be within the terms, denying benefits paid for is against the spirit of the agreement. What’s to stop them giving every customer notice ending 1 day before the free night is due?

    Not everyone had their account closed legally either. My card was shutdown abruptly with no notice.

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Understood, thanks. I have been able to use the IHG points accumulated prior to account closure notice for stays, so I am reasonably happy I earned them still. I’m still within my current year for the BA PP membership / 241 and already earned it so diverting the spend elsewhere would have got me points, but no other awards.

    @Scottpat78, Rui’s point is that of you had known that you wouldn’t get the free night, would you have put that spend on this card or another card?

    If your answer is you would have diverted your spend elsewhere and received other rewards, that’s the opportunity cost (i.e. for 10k spend you could have had BA or Virgin 241 vouchers).

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Hi Rui – what other opportunity costs are there please, that I am missing? The account was closed according to the terms of my agreement and I received a full refund on all fees plus was granted all IHG points earned via the card prior to account closure notification.

    Calling someone a pet is not nice…
    Probably Scottpat78 is the smarter one, he’ll get his compensation when the FCA looks into the case and makes Creation compensate all affected customers.

    Yes, I’ve given up ‘earned’ rewards, but this was earned on everyday spending. I didn’t have to do anything to earn them that cost me time or money.

    Well, that’s not true. There are opportunity costs in those transactions.

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Hi @Stevenhp1987 …. I’m still wondering what else I am owed? I needed to be an active customer by next anniversary date to be awarded the free night cert. They gave me correct notice to close my account prior to the anniversary date. I had all earned points transferred to my IHG account and am receiving 100% refund on fees.

    Willing to learn so next time anything like this happens I know what to look for.

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Yep, spot on. Always a trade off for what’s unlawful Vs what’s just hacking you off.

    @Lady London I think your criticisms of @Scottpat78 are misplaced! He has probably actually achieved a good result in getting the fee back given that his anniversary falls in July. It’s his pragmatic and avoiding hassle decision. Realistically, the prospects of getting the voucher for those whose anniversaries are many months away are very poor as reaching your anniversary date is an absolute requirement as £10k spend alone doesn’t get you the voucher; that much is crystal clear. Those who anniversaries fell in the two month notice period or very close might possibly have a case. I appreciate that criticising Creation is the height of fashion on HfP, but having seen the recent actions of Amex and many similar past actions by them, if they cancelled your PRG in December after you had spent £15k, but your anniversary was the following July, do you seriously think they would give you the 10k bonus MR? The answer is no. This is standard industry practice.

    In respect of your previous question re delayed complaint responses & payment of the refund, as with many organisations, you may need to chase them; it isn’t that complicated!

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Wow, OK. We all have a different opinion of what’s achievable and what’s realistic. Creation could cancel the agreement with appropriate notice at any time. Yes, I’ve given up ‘earned’ rewards, but this was earned on everyday spending. I didn’t have to do anything to earn them that cost me time or money.

    In my opinion, getting the full refund of a fee which qualified me for a free night cert isn’t great, but falls (for me) into the realms of reasonable. I’ve taken the decision to take it and move on. I either pay the fee and earn entitlement to a reward, or don’t get the reward but have a refund of the fee. It’s that black & white for me.

    Would I want a different outcome – yes – a IHG CC to remain active but that’s not going to happen is it? I challenged once and had the annual fee refunded in full, for me this is deemed acceptable from an organisation that doesn’t seem that great on customer service.

    Did I leave money on the table – yes, but nothing that was out of my pocket at all, that’s a huge consideration for me in deciding to pursue or close it out and move on. Did I suffer distress – absolutely not. Did I suffer inconvenience – not really, I had to make a couple of calls and write a few emails. I switched my spending to another rewards CC almost immediately on receiving notice.

    I genuinely hope others get what they deem to be acceptable to them.

    Sorry @Scottpat78 I have no idea why you’ve decided to let Creation treat you like this. By your own admission you’ve left £176 or not much less owed to you, plus whatever amount would have been awarded to you for distress/inconvenience etc.

    The kicker in having to pay custoners they’ve mistreated would hopefully be Creation learns from this and runs a clean operation that does not mistreat custoners in the future

    You have fallen ezactly into Creation’s wishes to try to get away with sleazy behaviour and reduce their financial liabilities.

    How dare you say you wish everyone luck when you’ve rolled over like your pet pooch and were happy Creation just tickled your tummy?

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Hi Lady London, basically, yes. I had earned the free night with spending between July & October and was awarded those points too. During October to December when I received the notice I started putting most spending on my HSBC Premier MC and used it sparingly anyway, so points accumulated (that were not awarded) wasn’t an issue.

    The free night cert is a loss and normally we’d use it for a trip away in the UK. Normally has a value at between £150 – £200 for us. Given that I am getting back the £99, I took the decision that I wasn’t happy with it, but might not have gained much more for a lot more hassle for something valued at around £50 – £100 for me. Might be a poor decision, but I’m done with Creation now and move on. I’ve accepted the hit.

    They did reject all my claim firstly, then I replied stating my objection. It was in reply to the below that they offered me the annual fee refund.

    Really keen to see how others get on and hope anyone still pursuing this get what they want / deem fair.

    =========================
    Hi. I have just received your written response to my complaint via post. You have stated in this response that despite paying a full years annual fee in July 2021, that I will not receive a pro rata refund following the closure of my account in December 2021.

    You have explained that you believe this decision is fair. I disagree. I cannot understand why it would be deemed not necessary to pro rata refund an annual fee taken 3 months prior to notice of account closure. I have paid an annual fee, then you stopped all benefits 3 months after paying the fee and closing my account 5 months after payment date. During the period of paying the annual fee and you notifying me of account closure, I qualified for the free night certificate associated with the night also, something that is no now longer available.

    I wish to discuss this further please. Can someone reply or call me to discuss?

    I intend to take this matter forward with a complaint to the Financial Ombudsman Service if I do not achieve a satisfactory outcome.
    =======================

    Interesting Scott. Do you mind if I ask when was your card anniversary was? Had you recently just paid the fee?

    Hi. Anniversary was July, so I had paid it in July then received the notice in October I think it was – 3 months had passed and I had already earned the free night certificate.

    So you’d already spent enough for a free night certificate plus earned more points after that, that weren’t paid out to you. You hadn’t misused the card.

    Did you accept this because the combination of excess missing points that weren’t paid to you and the value of the free night you’d have booked were worth less than somewhere between £24 and £43?

    For loss of use they owed you between £56 and £75 just for 7-9 eqvt pro rata annual fee months anyway (depending on whether you could still spend on the card during the 2 month notice period? and you got back £99.

    in reply to: The HSBC Premier Mastercards thread
    Scottpat78 241 posts

    You cannot ‘upgrade’ from free Premier to Premier World Elite online. You have to call HSBC. I believe if you apply for Premier World Elite online, its viewed as a brand new account which means hard credit check hit and you’d have 2 x CC with HSBC. That is my understanding anyway having looked at it yesterday.

    why are people applying for anything over the phone with HSBC? they are useless.you just apply online, much quicker and easier

    in reply to: The HSBC Premier Mastercards thread
    Scottpat78 241 posts

    I second that T0m. Despite being an HSBC customer for 15+ years, and qualifying for Premier for 5+ years, I finally took the plunge in August ’21 to upgrade. The phone call started with ‘So why do you think you want to upgrade your Bank account’? I was almost lost for words but stated the family travel insurance and qualifying for preferential rates on mortgage etc. The agent accepted this then we had 2 hours on a phone call between myself & my wife to process everything.

    Since HSBC already know everything about me, since it’s my only current Bank account I use (have Monzo & Revolut but use very sparingly) and have salaries & DD etc. the amount of info I had to provide – including payslips – seemed OTT.

    We got through it though and was all opened OK. I called them yesterday to enquire about upgrading the Premier MC to World Elite and was told the only way to do so was to receive a form in the post that I sign and post back – seems very old school!

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Hi Lady London / SteveJ….

    I had earned the free night with spending between July & October and was awarded those points too. During October to December when I received the notice I started putting most spending on my HSBC Premier MC and used it sparingly anyway, so points accumulated (that were not awarded) wasn’t an issue.

    The free night cert is a loss and normally we’d use it for a trip away in the UK. Normally has a value at between £150 – £200 for us. Given that I am getting back the £99 (which qualifies me for the free night cert), I took the decision that I wasn’t happy with it, but might not have gained much more for a lot more hassle for something valued at around £50 – £100 for me. Might be a poor decision, but I’m done with Creation now and move on. I’ve accepted the hit.

    They did reject all my claim firstly, then I replied stating my objection. It was in reply to the below that they offered me the annual fee refund.

    Really keen to see how others get on and hope anyone still pursuing this get what they want / deem fair.

    =========================
    Hi. I have just received your written response to my complaint via post. You have stated in this response that despite paying a full years annual fee in July 2021, that I will not receive a pro rata refund following the closure of my account in December 2021.

    You have explained that you believe this decision is fair. I disagree. I cannot understand why it would be deemed not necessary to pro rata refund an annual fee taken 3 months prior to notice of account closure. I have paid an annual fee, then you stopped all benefits 3 months after paying the fee and closing my account 5 months after payment date. During the period of paying the annual fee and you notifying me of account closure, I qualified for the free night certificate associated with the night also, something that is no now longer available.

    I wish to discuss this further please. Can someone reply or call me to discuss?

    I intend to take this matter forward with a complaint to the Financial Ombudsman Service if I do not achieve a satisfactory outcome.
    =======================

    • This reply was modified 54 years, 7 months ago by .
    in reply to: The HSBC Premier Mastercards thread
    Scottpat78 241 posts

    That’s a great point – I’d need to use a fee paying lounge 3 times a year to make the £60 Supp. card worthwhile. I’ll hold for a bit and perhaps dive in if they do a sign-up bonus for the Elite. Thanks.

    I reckon the airport lounge access for me & supp. cardholder would be used a couple of times a year at most, since I have status with BA that gets me into a lounge when flying OneWorld.

    Anything I’m missing before I delve into the Elite card?

    You should note that each supp cost an additional £60, so it might not be worth it if you don’t use the lounge access that frequently.

    • This reply was modified 54 years, 7 months ago by .
    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Interesting Scott. Do you mind if I ask when was your card anniversary was? Had you recently just paid the fee?

    Hi. Anniversary was July, so I had paid it in July then received the notice in October I think it was – 3 months had passed and I had already earned the free night certificate.

    in reply to: The HSBC Premier Mastercards thread
    Scottpat78 241 posts

    I have the free Premier MC, it was taken with the Premier account being opened a while back.

    I’ve used it sparingly, since all spending was on Amex Premium Plus and IHG Premier. Of course, my IHG Premier card has been closed by Creation since I used it via Curve for Apple Pay. (No MS though).

    Question I have – anyone weighed up paying the fee for the bonus and higher points accumulation on the Elite card Vs losing the free appliance insurance from the free card? Never used the insurance since I’ve not used the card until very recently.

    I no longer pay a fee for the IHG card since it has been closed, so taking on another fee paying card doesn’t sound too unreasonable to me. I reckon the airport lounge access for me & supp. cardholder would be used a couple of times a year at most, since I have status with BA that gets me into a lounge when flying OneWorld.

    Anything I’m missing before I delve into the Elite card?

    in reply to: Creation Financial Services bashing
    Scottpat78 241 posts

    Hi, I also complained after my IHG Premium card was closed (same as others). No MS at all, but I did use Curve as Creation couldn’t be added to Apple Pay.

    Following a bit of back & forth re free night certificate, points accumulated after notice provided and my annual fee, they have offered to refund my annual fee in full. I’ve accepted this as I feel it’s the best I would achieve without being drawn into a lot more aggro.

    Still very sore at losing the card and have switched to HSBC Premier MC as the alternative to this IHG card. Quote from Creation response:
    ===================
    Thank you for your email and I apologise for the delay in my response.

    I have reviewed your case and decided to refund the £99.00 annual fee on this occasion. All other rewards for IHG would not be awarded.
    ====================

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