Important changes to your IHG One Rewards Premium Credit Card – closing
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If they haven’t given you the required notice period, they would be in breach of their own Ts and Cs if they closed your account (unless they could provide some evidence of serious misuse by you). I don’t know if it would be possible to claim anything for the missed spending opportunity; the FOS cases detailed on the Creation bashing thread mainly deal with points and free night certificates which should have been awarded during the notice period but weren’t.
I suppose the remedy would be to allow you two more months of card use, but if they are withdrawing the card altogether obviously that won’t be possible.
Creation might get sanctioned for breaching its own Ts and Cs, but it’s not clear what would be offered to the customer.Pretty much my thoughts. They are not proposing to close card accounts, just stop issuing IHG points and re-branding the card. From the way my partner’s letter is worded, there would be no way to issue IHG points after 27 June anyway, as the agreement between Creation + IHG ends on 27 June. Hence why I referred to any compensation having to be in cash, and only to the value of any points.
I might try to get the credit limit added to that of my Creation Marriott credit card, but I suspect that it will not be as straightforward as with Amex.
Anyone had any response from them after emailing to opt out of the creation card?
@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.
<a href=”https://www.headforpoints.com/forums/users/russellh/” 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.
I can assure you that plenty of people do complain, vociferacely, when they do not receive documents.
Clearly there are circumstances where the intended recipient is at fault, such as failing to notify a change of address.
In practice, though, important documents will be sent by a method including some sort of proof of delivery.@RussellH – it simply isn’t a legal requirement to send most formal notices with a proof of delivery. It’s nothing to do with Creation, it’s just the law. Even HMRC rarely sends things with proof of delivery, even if some letters, eg the precise timing of opening an enquiry are very time sensitive. Equally, notices of intended prosecution for a traffic offence or service of MCOL claims are not sent with any proof of delivery. A proof of delivery is also often not a proof of receipt by the addressee as a doorman, child or postman might sign for the delivery. A notice of account closure is considered fairly inconsequential, so nothing special is required. Where personal service is required, the conditions and proof of service requirements are very onerous.
They haven’t notified me. Not by letter, nor through a message or alert on the app.
It’s not lost in the post, they’re just incompetent.
Balls to not having to prove delivery. They could very easily notify through the app, but they’re incompetent and don’t care.
When Tesco Bank screwed the pooch on their application of Cash Advance fees for Curve usage, I was multiple times told that I would have been sent a letter (I wasn’t). I challenged them to find a copy of this letter with my name and address on, and they were unable to do so; with nonsense like ‘we don’t keep copies of all correspondence’ (they do). The FOS pushed them on this and they conceded eventually that no letter had been sent.
I’ve also still not heard nothing at all from them…They could put a banner on the app, on the creation login page, on the dashboard…
IHG have now told me what Creation couldn’t be bothered to tell me.
They also say:
“Your current status will remain the same until 31 December 2023. In addition, for 2024, you will be awarded Platinum Elite status until 31 December 2024 so you can continue to take advantage of exclusive IHG One Rewards benefits. ”
and
“Once the card partnership has come to an end, we will be rewarding 4X points on all qualifying stays until 31 December 2023. More details coming soon on how to take advantage of this offer.”
Odd that IHG think I’m a “premium” cardholder when Creation snatched that away during the great tantrum of ’21
I got similar but as a basic card holder which was cancelled at the same time, they’re giving me silver (I’m already plat amb) and double points rather than the 4x.
That a great result that we’ll all get 2x or 4x base points on eligible stays for the second half of this year. Presumably in addition to the 100% bonus we get as Diamond anyway.
I got similar but as a basic card holder which was cancelled at the same time, they’re giving me silver (I’m already plat amb) and double points rather than the 4x.
Absolutely ridic for the standard card holders, they should have offered to keep it gold as that is what came with the card. Absolute joke.
Since IHG is going to keep my status the same until end of 2024, it is making me think that they are struggling to tie in with a new credit card provider.
I’m not sure at what point IHG found out about the 2021 debacle, if in fact Creation actually ever notified them!
I got similar but as a basic card holder which was cancelled at the same time, they’re giving me silver (I’m already plat amb) and double points rather than the 4x.
“Me too.” Have the white card, so will get double points + silver (downgraded from Gold currently.
I found the opening line from IHG amusing “As you may have heard” ie they are well aware that there are any number of IHG cardholders who have not been officially told.
I’m not sure at what point IHG found out about the 2021 debacle, if in fact Creation actually ever notified them!
Are you wondering if IHG decided to pull the plug on Creation, once they had discovered just how many card accounts had been closed?
That a great result that we’ll all get 2x or 4x base points on eligible stays for the second half of this year. Presumably in addition to the 100% bonus we get as Diamond anyway.
Just do not forget to register for the offer when IHG send out the link (see small print at the end of the e-mail).
I’m not sure at what point IHG found out about the 2021 debacle, if in fact Creation actually ever notified them!
They didn’t, I’d imagine. For example I’ve just got the “As a valued IHG Rewards Credit Cardholder…” Email from IHG despite having been booted with all the other Curve users ages ago.
I don’t know how these things work, but IHG CA agents definitely weren’t aware of the cards being closed at the time it happened. In fact, they denied it was happening! But it has been suggested that the closed account only made up a small percentage of the overall customer base.
It’ll be exciting if a new card does come along, lol.– it simply isn’t a legal requirement to send most formal notices with a proof of delivery. It’s nothing to do with Creation, it’s just the law. Even HMRC rarely sends things with proof of delivery, even if some letters, eg the precise timing of opening an enquiry are very time sensitive. Equally, notices of intended prosecution for a traffic offence or service of MCOL claims are not sent with any proof of delivery. A proof of delivery is also often not a proof of receipt by the addressee as a doorman, child or postman might sign for the delivery. A notice of account closure is considered fairly inconsequential, so nothing special is required. Where personal service is required, the conditions and proof of service requirements are very onerous.
I do not doubt that everything you say is true. Nevertheless, proof of delivery is still valuable to me when I send in a formal complaint.
eg. My second formal complaint to Hilton Barclaycard last year…
They tried to fob me off with “sorry, we have not received it” until I told that I had the Royal Mail proof of delivery in front of me. Amazingly, they found the letter the next morning, then refunded the cost of the Royal Mail Signed for Service and £50 compensation for the missing Hilton points, which did finally turn up too.
Similar story with Hargreaves-Lansdown, when they told me that they were still waiting for a document they asked me to send. Only £25 compensation that time, but they did put things right much more quickly than Barclaycard.
Oh, and please do **not**, when replying, put a wretched ‘@’ in front of my name. But do please **quote** a relevant section of what you are replying to.
I don’t know how these things work, but IHG CA agents definitely weren’t aware of the cards being closed at the time it happened. In fact, they denied it was happening!
Ah, so it looks as though it was Creation pulled the plug on IHG?
As a Black cardholder it’s nice to get 4 x pts coming my way, but I don’t think they will be base points, or am I wrong?
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What is the UK IHG One Rewards Credit Card – 2X & 4X Bonus Points Promotion?
o Once a UK IHG One Rewards Credit Cardholder or UK IHG One Rewards Premium Credit Cardholder has registered for the Offer, the member will earn two or four points per $1(USD) spent on Qualifying Spend for all stays, that are completed during the period from 28 June 2023 through 31 December 2023 (“Offer Period”) when paying a Qualified Rate. These points are in addition to the base points and other points the member will receive from their qualifying stay.
o The amount of points a cardholder is eligible to earn is based on credit card-type. IHG One Rewards Credit Cardholders in the UK can earn 2 points per $1 spent and IHG One Rewards Premium Cardholders in the UK can earn 4 points per $1 spent.
o To participate, a cardholder must have been a UK IHG One Rewards Cardholder or Premium Cardholder through April 17th, 2023, register for the promotion, and have a qualified stay on or before December 31, 2023 to earn bonus points during the Promotion Period
o An email to register for this offer will be sent to IHG One Rewards Credit Cardholders and Premium Credit Cardholders in the UK closer to the Offer Period.Ha – I’ve also got the email. Have they really got no idea that some of their members haven’t held this card for the past 18 months?!
Also got the email today. Very confused. Ok for the points. But arw they cancelling the yearly voucher? From when? And they are keeping the fee for past year or refunding it? Not sure it works for me.
On the one hand I think it’s positive, getting 4x points on stays will be a good earner especially as I have some intercontinental and regent stays at the end of the year.
However in terms of my creation card. I have rang them twice and been told two different anniversary dates now (21st and 22nd April). I was told that any spend after those dates but before closure, counts towards my £10k target for a free night voucher. However in the creation app, despite having spent nearly £5k since my anniversary date, the spend target is still showing as negative. I.e. Spend -£13,000 this year to earn my free night voucher.
It doesn’t seem to be tracking down which makes me think that even if £10k were spent, getting the voucher after June closure might be pretty difficult.
The latest message from IHG also makes me think that they are a long way off having a new credit card partner (sadly).
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