Problem with Santander card

jon_boy75

sebdangerfield wrote: »

Hi all, I have a little problem with Santander credit cards at the moment and I'm looking for advice on what to do.

I have an Abbey Zero card, now Santander and currently pay the minimum payment. The limit is £1000 and I have £850 on the card.

Two months ago, I noticed that the direct debit hadn't been taken by the card company and the day I noticed I received a letter from them apologising for their mistake and that some systems failing had caused the error. It further stated that the error was no fault of mine and that no charges would be applied and I need take no action as they would take two month's worth of payments the following month.

This reassured me and I left the matter. About two weeks later I received a text requesting me to call Santander urgently. I called the 0845 number form my mobile as I have no other phone and was on hold for about 25 minutes before being told by the call centre assistant that the text had been sent simply to request that I make a payment to make up for my defaulted payment. I explained the situation and read the letter sent to me to the lady who apologised but continued to refer tot he matter as "your default" I confirmed what the letter said and the lady again reassured me that the matter was not my fault. I even payed off another £200 from the balance so I felt better about being told to call an 0845 number at my expense for somebody else's problem.

I've checked my expedian credit record today and low and behold, Santander have placed a late payment marker on my record against this matter.

Does anyone else have experience of this? what should I do? I know it's not a major problem and I have a perfect credit rating so I doubt that it would matter at all but I'm so annoyed, they've told me not to worry, then sent me a text asking me to call them on an expensive number for their mistake and then marked my credit report like I've done something wrong!

I feel for you, honestly. The single worst company to deal with. It took me 3 years and a court case to get them to rectify false information on my credit file. It could have taken them 30 minutes. That's obviously a worst case scenario...good luck