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Consumers and Businesses who use credit cards are being tortured by hundreds of phone calls from his credit card firms repay his outstanding credit card bill.
Keith Harrison, a businessman from Buckfastleigh in Devon, spoke exclusively to the BBC about the telephone harassment that the MBNA credit card firm, and the debt collection firm Link Financial.
"Whatever you say about your circumstances they are not interested, they just want you to get your debit card out," "They were condescending and rude. The bottom line is they don't believe what you say" said Mr Harrison.
The lenders' behaviour was so bad that it contributed to a decision in February, by Judge Nicholas Chambers QC at Mold County Court, to write off just over £20,000 outstanding on Mr Harrison's card.
"I am satisfied that the claimant's description of the way that he was hounded by his creditors is essentially correct not least in the use of "non-traceable" telephone calls," the judge said.
"There can be no excuse for conduct of which it must be supposed the sole purpose must have been to make the claimant's life so difficult that he would come to heel."
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Running into trouble Mr Harrison, who runs a design business from home, ran into trouble in 2007 - nearly a decade after first taking out the MBNA card.
“They almost had a mechanised collection process they triggered that took us completely by surprise”
In the space of three months he was struck by a series of family illnesses. His mother had a serious heart attack, necessitating constant care at home after being treated in hospital. Then both his wife and daughter also went into hospital with serious ailments.
With so many companies being declined for credit and bank facilities, the business prepaid MasterCard is a great alternative to a corporate card or a business bank account and is a New solutions for businesses who need a payment card.
100% instant approval guaranteed* – whatever your company's status
No documents needed up front to open an account
No credit checks
No links to any other bank accounts – separate borrowings from cashflow
A great addition to a business account:
Prepaid card providers are offering free deposits, so if your current bank charges per transaction and you make a lot of deposits, this could reduce your costs significantly
Free internet banking – check your transactions and spend real time, 24/7
No purchase transaction or borrowing costs – only spend what you load
Pay bills quickly and efficiently
Expenses cards that offer no risk
No risk of overspending as your employees can only spend what’s loaded
Reduce risk of fraud with payment protection offered on some prepaid cards
Track balance and spend instantly with free internet banking
Top up employees’ accounts while they’re travelling
Use wherever MasterCard is accepted – nearly 29 million locations worldwide
Cut Payroll time and processing costs
Did you know it can cost your business around £10 per company cheque once you’ve factored in banking fees and your own staff's salary and time, This could save your business up to £52,000 per year in payroll costs alone.
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