Asda/Santander Credit Cards

If you have one of these cards you may have recently received a letter regarding changes if you pay by direct debit. I did and when I checked my next statement I had been charged £12 for a late payment. When I contacted them they said it was a system error and refunded this amount. How many people DON'T check they're statements and therefore, how much money will they make from this error????
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Comments

  • starM
    starM Posts: 1,464 Forumite
    I have checked my statement yesterday aswel and £12 late payment charge has been added. The payt was taken by Direct Debit so no reason for late payment charge.

    I sent them online message over a week ago regarding multiple DD in the name of Santander Consumer Finance & CRDTCRD DEBIT SUB.

    http://forums.moneysavingexpert.com/showthread.php?t=2837140&highlight=asda+direct+debit

    They sent me an email saying secure message awaiting to be read. When I logged online - it shows 1 new message but when I click on messagies - no messagies are displayed. i juse sent them another message again.

    Useless Credit Card company to be honest. I had number of credit cards in the passed never had any problems. This is the first bank I'm having problem with.

    MS
  • I also have been charged a late payment fee. I have spoken to their helpline who tell me this is an error and will automatically be corrected next month, however will this now show on my credit history?
    I asked the bloke on the phone and he said no, but I have my doubts...
  • Zannie
    Zannie Posts: 29 Forumite
    Yup me too. I think this is the second time. I rang them up and waited for 20 mins and I am fairly sure that talk talk charge me 20p per minute. they would only refund £2. They said that they were aware of this late payment fee error In which case why didn't they refund it until I rang up? man I spoke to said that hundreds of people were affected,
    bit that really made me annoyed was after complaining about the issue with the Direct Debit he insisted on taking me through security for the 2nd time and asked me what my payment method was !!!asked him if he was being funny
  • GillM
    GillM Posts: 184 Forumite
    First Post First Anniversary Combo Breaker
    Slightly off-topic but I have an ASDA card, now Santander, of course. 3 weeks ago I mislaid my purse - don't use it often because I don't spend much most days, just the paper sometimes, and I have a bad habit of putting change from notes in my pockets so I usually have a few quid on me without needing my purse. As it turned out, I'd last used my purse on 26 October but it wasn't until 29 October that I actually tried to find it. I rang round a few shops I could remember using, and the local police, then decided I really needed to cancel my cards.

    Cancelled the ASDA card 29 October and was told it would be about 10 days to get a new one. Not sure if it was 10 calendar days or working days, but anyway, I hadn't heard anything by 15 November so rang them - my payment was due 18 November and I was worried about being charged for non-payment, as well as having to pay interest. Indian accent answered - I'm not racist but infortunately I do have a profound hearing loss so speech is hard for me to understand and accented speech is almost impossible. The conversation went - she'd say something, I'd say I can't understand you, she'd say something else, I'd say, sorry, pardon? That went on for an horrendous 10 minutes or so - the poor girl was very patient but we really weren't getting far. Finally, we seemed to establish that I needed to wait until the card arrived before doing anything. I tried to ask if I would be charged interest etc but not sure if she told me that!

    It's now 20 November and the card still hasn't arrived. I tried to get at my online account a few weeks ago but couldn't, not too surprisingly, so I cannot use the secure email facility. I've no idea what will happen now. Reading the posts above I'm not convinced they'll manage to get it sorted and it will probably cost me a fortune!

    I only got the card because of the 1p per litre off petrol (2p when I first had it) but with the current price of petrol it works out cheaper to get Tesco points so I may dump the whole card.

    Incidentally later on on 29 October I suddenly thought of another shop to ring - they had my purse behind the counter since 26 October but couldn't contact me as no identification other than my name on the various cards. Everything was intact, notes change and all - a member of staff handed it in. I couldn't believe my luck!
  • Yep, same here. I have been charged the late payment fee on both mine and my sisters account. Just sent them a secure message. It begs the question though, if they knew about it, why didn't they let us know?? And I've also got multiple direct debits set up by them. I had a right panic when I saw the new one had been set up as it makes no reference to Asda or Santander. Awful way to do business!!
  • GillM
    GillM Posts: 184 Forumite
    First Post First Anniversary Combo Breaker
    redparaman wrote: »
    GillM wrote: »



    You sound racist with that comment, the accent came from a person! Of course you will accrue interest if you do not pay! Losing/mislaying your card does not prevent you from paying your debt! If payment was due on 18/11 and you missed it knowingly, then you should pay a penalty plus interest.

    You clearly never learned what an adjective is! And my point is that I cannot pay my debt until I get the new card as the account has been locked!
  • GillM wrote: »
    redparaman wrote: »
    You clearly never learned what an adjective is! And my point is that I cannot pay my debt until I get the new card as the account has been locked![/QUOTE
    ]

    That is not a justifiable reason for not paying your debt! You must have some idea of what you have spent. You state you spend very little in your original message so work it out! Its not difficult! Stick to cash it will prove less complicated for you.
  • GillM
    GillM Posts: 184 Forumite
    First Post First Anniversary Combo Breaker
    redparaman wrote: »


    That is not a justifiable reason for not paying your debt! You must have some idea of what you have spent. You state you spend very little in your original message so work it out! Its not difficult! Stick to cash it will prove less complicated for you.

    Can you not read? I know precisely what I owe, but the account has been frozen - I cannot pay into it!!!
  • [
    QUOTE=GillM;38704538]Can you not read? I know precisely what I owe, but the account has been frozen - I cannot pay into it!!!
    [/QUOTE]

    I can read and understand English Comprehension. So your account is now frozen? What has happened is that you lost your cards then found your cards after you cancelled your cards. Your ability to use the card has been suspended not your ability to pay up. Get on with it!
  • lewpster
    lewpster Posts: 1,665 Forumite
    First Anniversary Combo Breaker
    I spent 20 mins on hold to the indian call centre last night after receiving a letter - I was horrified as always pay on time. Apparently it's their error and letters went out yesterday. I will be certainly writing in and asking for the cost of my phone call back : (
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