Is this right?

A question about : Is this right?

Hi guys!

Just had a conversation with my Dad about his Co-op credit card. To start with they just sent him a card out of the blue last in September '07 (NO APP!). But he decided not to use it. He has been using it recently (since Aug '08), he has just been going through some paper work and noticed that he has been charged for Payment Protection. When he called them tonight, the Co-op told him that the Payment Protection is loaded to the card and that the customer must request to have it removed & that this info is shown on his contract. When he told them that he hadn't even signed a contract, they told him that the card was first issued in 2005?? WTF??

Any advice on what to do would be much appreciated,

D#

Best answers:

• Request a copy of your consumer credit agreement. PPI is optional and has certain criteria that you must meet in order for it to work therfore it would not be benifical to everyone e.g. people who work less than 16 hours per week.
  They are trying it on, make them prove it is valid
  Good Luck