nick205
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| posted on 23/2/11 at 12:21 PM |
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Santander grrrr
Letter from the bank yesterday stating £1,500 overdraft limit is being reduced to £200, with no reason given. I wouldn't mind, but the only
reason the overdraft is on the account is to make sure the mortgage payment clears each month on the 28th as my pay sometimes arrives in the account
on the 29th. I might add the Santander have the poxy mortgage as well so it's in their own interest to make sure it's bloody well
paid.
After being given the run around on the phone by "Ricky" in Calcutta I got through to someone in the UK and let rip on the following
points...
1. Incorrectly addresses letter
2. Incorrect call centre number on the letter
3. No reason given for the reduction
4. Have to visit branch to resolve
5. No feedback loop to the customer on the complaint being raised
6. Sort this out or I will move all 3x current accounts, mortgage, savings account and ISA to another bank
...outcome:
1. Overdraft limit restored with no charges or penalties for using it
2. £40 Ex-Gratia payment into account as a gesture for the hassle
Worth complaining IMHO, that's £40 beer money I didn't have first thing this morning  
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speedyxjs
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| posted on 23/2/11 at 12:31 PM |
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Result!
How long can i resist the temptation to drop a V8 in?
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blakep82
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| posted on 23/2/11 at 12:37 PM |
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if you had your mortgage DD on the 1st of each month, you won't need the overdraft 
still, works out good for you getting £40
________________________
IVA manual link http://www.businesslink.gov.uk/bdotg/action/detail?type=RESOURCES&itemId=1081997083
don't write OT on a new thread title, you're creating the topic, everything you write is very much ON topic!
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phelpsa
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| posted on 23/2/11 at 12:37 PM |
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Thats the best experience I've heard anyone have with santander!
Most people I know (my parents included) are still battling to get their money out of there ASAP.
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bigbravedave
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| posted on 23/2/11 at 12:39 PM |
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I took the 100 quid insentive to switch to them,
they messed up one payment, the indian call centre was useless.
Phoned the complaints line, straigh through to a guy a sheffield who sorted it there and then and compensated my irateness.
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nick205
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| posted on 23/2/11 at 01:19 PM |
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quote:
Originally posted by blakep82
if you had your mortgage DD on the 1st of each month, you won't need the overdraft
still, works out good for you getting £40
But...therein lays another tale of woe. You would think changing the payment date by a few days would be simple, but apparently not...according to
them!
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IanBrace
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| posted on 23/2/11 at 01:33 PM |
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Well done... About 4 years ago I had a dispute with them which they flatly refused to resolve. At the time I had the proceeds of a house sale in there
and when I said I'd close it and go elsewhere their attitude was "OK that's up to you." Instead I moved all the money except
£1 in two seperate accounts. Now it costs them more than that per month in letters offering cheap loans, cards and bank statements! Lloyds seemed
pleased to have my custom and have continued to be good since..
www.aerialphotography.org.uk
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Ivan
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| posted on 23/2/11 at 02:09 PM |
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quote:
Originally posted by blakep82
if you had your mortgage DD on the 1st of each month, you won't need the overdraft
still, works out good for you getting £40
In South Africa you would end up paying a few extra payments if you change your deduction from the end of a month to the start of the next month as an
extra months interest accrues each month so beware those sorts of changes.
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