Should i complain to the Omburdsman?

Chatterbox25

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stephane_2

A missed payment will not stay on your file for 5 months but a few years...I don't think that you have a case at all. You should have made sure that you read their Terms & condition for payments towards the account. Making 2 payments within the same month does not mean that one will count for the next one. You should only make a payment once you have received your current monthly statement.
Now having a missed payment on your file that may stay there for at least 3 years will impact your credit file but you could call Santander and ask them nicely if they could remove it...you never know they might do it but at the same time I would not count on it

chattychappy

It's not even a matter of small print - it's what's printed on the monthly statement. You just chose to make payments when it suited you, and that was a mistake. Even if you were given wrong or misleading information, how were they "on you back" or how was it harassment?

No chance in my opinion.

benoit

Chatterbox25 wrote: »

I agree that i should of read the t&c's but who actually does read all the small print

You think the Financial Ombudsman is going to back you with a defence like that?

'Dear Mr Ombudsman, I know i should have read the small print, but who bothers with that anyway?'


......Get real.

dtaylor84

Chatterbox25 wrote: »

to be fair when i made the payment i took in the statement i had recieved which clearly said March on and the cashier said nothing so who am i to question it.

The cashier's job is to take your money and transfer it to whomever you tell them to. It is not their job to manage your finances!

Anyway, how did you have a statement dated March on 29 February? Also it's only 14 February now, so did this happen last year!?

hunnycat

dtaylor84 wrote: »

The cashier's job is to take your money and transfer it to whomever you tell them to. It is not their job to manage your finances!

Anyway, how did you have a statement dated March on 29 February? Also it's only 14 February now, so did this happen last year!?

quite possibly it was February 2008 since that was the last leap year!!

jonesMUFCforever

You have no defence - the ombudsman is busy enough as it is - leave him alone and waste somebody else's time.

Dr.Shoe_2

Pay the minimum payments by standing order (not direct debit) and then pay extra as and when you can.

CannyJock

Dr.Shoe wrote: »

Pay the minimum payments by standing order (not direct debit) and then pay extra as and when you can.

Would normally advice the opposite - pay minimum by direct debit. But so long as it's paid maybe a moot point.

dzug1

You can't complain to the Ombudsman until you have exhausted Santander's own complaints procedure - you need a letter from them saying that can do no more.

Looks like all you have are phone calls - no good.

CannyJock

Chatterbox25 wrote: »

A few months back i was having many problems with my credit card company who hadn'texplained to me i needed to make a paymnent every month ... i assumed ... weeks off being upset and feeling stressed and harrassed

Live and learn, man - the assumption is that if you apply for a credit product that you understand the fundamentals about things like minimum repayments and statement periods. Mistakes do happen though, and we try and give people advice on here every day of the week so that others can learn. Now you've found your way here, you can see typical problems and ways to avoid them being discussed.

Find it hard to believe that such a simple mix up would cause weeks off work - or is that a typo?

Don't see any grounds for an Ombudsman complaint, one missed payment a year or 2 years ago in an otherwise clean credit report won't be doing you any damage.