Asda Santander Card

veryunsure

I am wondering if anyone else has had a similar experience with Santander?

I know they get a bad press - being foolish I applied for one so I could get my shopping delivered for free (having very limited mobility it is something I rely on).

I set up a direct debit (and a BT) during the application process.

I was sent a PIN but no card. I called them to be told they had no such application... and no such BT ... yet I had a PIN!

The card arrived a few days later. Good to go, I thought.

First statement came, no mention of the DD so I paid online and set up another DD.

Second statement came, no mention of a DD so I paid online again.

Third statement time, I didn't see it online and missed the payment. So I have been stung with a late payment fee and interest now.

I contacted them and was told no DD had ever been set up on the account.

Are they really this imcompetent?

I know I should have been more alert to the statement and perhaps set up a SO to make the minimum but I didn't. I really didn't think they could get it so wrong.

I have now paid it off and will close the account.

ironlady2022

Usually, when your online statement comes, if they have received instructions for the DD, then it will have been set up. They would tell you whether you needed a manual payment in case the DD wasn't set up on time. In your case, if on the second statement hadn't mentioned this a all then alarm bells should have been ringing. And if it is 100% online statements only, then you need a reminder in your diary or something. I doubt you can overturn their decision but ring them anyway!

mikea2807

See my Asda Ceredit Card thread posted earlier today - Have had major problems that have taken nearly 3 months to sort out - have now at least got £50 compensation for it all though - but had to keep on at them - am now cancelling card as have got a better deal elsewhere for myself.

System upgrade caused the problem their end - to my knowledge over 4000 complaints have been made to the ombudsman