santander credit card error

linton73

interesting error thats come to my notice regarding my credit card
i have a direct debit that comes out of my current account each month for this.

Looking at all my past credit card bills i only have 12 months online the wrong amount has been credited to my credit card account never may i add less than was supposed to be taken. sometimes only a pound but on more than afew occasions over ten pounds. I phoned santander and after a long wait a supervisor accepted that its happend. They are investigating urgently and will get back to me.

I'm not the confrontational type but do you think i should ask for some kind of compensation ? My only justification for this would be if i had been a pound or two below the minimum payment they would have charged me 12 pounds for doing this lol i wonder how they would react if i decided to do the same.

Comments but no flaming please lol

PNPSUKNET

not really, what have you lost apart from say cost of a phone call which you could ask for back

linton73

I understand that

but if i had underpayed for the last 12 months or more i would have been charged 12 pounds per month for my error.

they make an error 12+ times in a row and what ? an apology lol

CannyJock

Does no harm to ask them for a £50 credit to your account for the unecessary worry caused and inconvenience of having to spend time dealing with a basic error on their part.

They might well laugh at you or send you a compensatory Lewis Hamilton action figure instead.

Don't ask, don't get and no harm in asking

linton73

very true canny jock i'll see what the investigation brings forward

just the amount that is owed to me as extra credit ony my card is over 90 pounds and thats only for 12 months i have statments for. ontop of that interest etc but that won't be much though

I do find it amusing that if i had underpayed my bill through "no fault of my own" i would have been charged 12 pounds.

but they take more money than they should and call it an adminstrive error and thats ok then.

jonesMUFCforever

If they have taken more than thy should one month then they should take less the next month?
Are you sure it is not something like a PPI premium?

chattychappy

linton73 wrote: »

I understand that but if i had underpayed for the last 12 months or more i would have been charged 12 pounds per month for my error.

they make an error 12+ times in a row and what ? an apology lol

Yes, but one is in the agreed terms, the other isn't.

linton73

jonesMUFCforever wrote: »

If they have taken more than thy should one month then they should take less the next month?
Are you sure it is not something like a PPI premium?

nope nothing and it was different amounts sometimes 1 pound over on afew occasions it was ten pounds plus . They have admitted the mistake its nothing other than a mistake on billing.

chattychappy said

Yes, but one is in the agreed terms, the other isn't.

i'd like to see in the terms and conditons where it states they can take whatever they want from your bank account ? as i understand it in certain circustamces they can take money from your account if you miss payments. This isn't the case i'm up to date.

i'm not saying they did it intentially but again in these economic times when banks make customers pay for there mistakes why shouldn't banks.