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Review of the Jaja Finance, Credit Card:

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Rather unprofessional

I have been a Post Office credit card holder for years. I use it mostly during frequent trips to France as it is fee free for abroad use. I have always paid the full balance every month by direct debit. I received an email from PO stating credit card business had been sold to Ja Ja (who?). I was told to keep using card as normal which I did with no problems. What bothered me was lack of communication & information about the change. More recently I received an email from Ja Ja stating that if I paid by dd then no action was required. I was told new app was ready so I put it on my iPad & registered no problem. Last payment under Post Office name was taken in September Full balance paid off as usual. The first payment with Ja Ja on my dd in October only took out £17 despite a balance of over £1000. It also stated on the app that minimum payment on due on Nov 17 would be £18. It appeared that Ja Ja was possibly intending to take just minimum payments & then charge interest although no interest charges are showing on the app at the moment. I rang their customer services. I got through no problem but the automated voice was muffled & difficult to understand & I was somewhat bothered by the attitude of the individual I spoke to. He acted as if he did not really know the job. I told him that only a minimum payment had been taken & not the full amount. He just agreed with me but did not offer a solution. I told him I was not really happy with this & he just agreed with me. There was no real point in continuing the conversation & I told him I was thinking of closing my account & he just said ok. He told me I needed to ring another number to do that. There was no attempt resolve any of the issues I had raised. So I decided to cancel my direct debit as I no longer trusted Ja Ja to have access to my bank account & to pay my balance with my debit card. The app offered facilities for debit card payment but when I attempted it I just got a sign stating that this payment facility is unavailable. So I decided to pay by bank transfer. The app offered this & gave their sort code & acc no & required my credit card number as reference. I successfully did the bank transfer & cleared my balance. 3 days later & the app still shows the balance as owing. I rang customer service again. At least the operative confirmed that payment had been received but could offer no explanation as to why the app had not updated. The sum total of all that in my view comes across as an overall unprofessional setup which does not give me confidence to use so I will not be using them again. I suppose it matters little whether I close the account or not as I am now square with them. Direct debit is cancelled & I shall no longer use the card. Reviewed on: 13th November 2020

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