Santander won't close credit card as it is 1p over!

Toe-Jam

Just spend a penny ! What an over dramatic approach to a simple problem your taking.

Its not a bit wonder the FOS takes months to reply to legitimate problems when they have things like this to deal with.

You could have even paid £9.99 to your account then spent £10, common sense goes a long way

tescomilk

Toe-Jam wrote: »

Just spend a penny ! ... common sense goes a long way

So your saying before a customer can close his CC he has to spend further on it...???? :rotfl:

The only common sense here should have been with the banks. A manual override was possible. I would also write to Natwest Head office to re-educate the branch manager. Its not your problem how much per hour his staff cost. They get paid an hourly wage which is divided over a month between all the customers. Some customers transactions are more profitable than others but that DOESN'T mean they can just say we don't wanna do them. Big fail to Natwest. :mad:

Toe-Jam

tescomilk wrote: »

So your saying before a customer can close his CC he has to spend further on it...???? :rotfl:

The only common sense here should have been with the banks. A manual override was possible. I would also write to Natwest Head office to re-educate the branch manager. Its not your problem how much per hour his staff cost. They get paid an hourly wage which is divided over a month between all the customers. Some customers transactions are more profitable than others but that DOESN'T mean they can just say we don't wanna do them. Big fail to Natwest. :mad:

I'm not saying they have to do anything, I was just suggesting there are quicker, more logical routes to solve the predicament than going to the FOS and waiting 2 months for an answer, who will only deal with a complaint once the Internal complaints procedure of Santander has been exhausted anyway.

If I was the OP I would write an email to ceo@santander.co.uk and the top level complaints team will pick it up and they will be able to sort it out.

visjig

Toe-Jam wrote: »

I'm not saying they have to do anything, I was just suggesting there are quicker, more logical routes to solve the predicament than going to the FOS and waiting 2 months for an answer, who will only deal with a complaint once the Internal complaints procedure of Santander has been exhausted anyway.

If I was the OP I would write an email to ceo@santander.co.uk and the top level complaints team will pick it up and they will be able to sort it out.

Thanks for the email of Santander.

Does anyone have a postal address of customer relations of NatWest and/or Santander OR even any contact details of top gun of NatWest?

Thanks.

visjig

Ive found the address of NatWest:-

NatWest Customer Relations
FREEPOST NAT12685
BOREHAMWOOD
WD6 1BR


One question, since the financial ombudsman is writing to both the banks on my behalf, does it now make sense that I should also fire couple of letters to NatWest and Santander OR do I just wait to see what do the banks reply in response to the FOD's letters......

Please advise.

jonesMUFCforever

anotheralias wrote: »

Would be interested if you could elaborate on your reasoning behind this message.

The OP has explained why he had to use the DD guarantee for only 1p, so why is he/she a "total plank" for doing it???

Clearly Santander are unwilling or unable to just remove the 1p from the account, and even if the OP would somehow be able to persuade them, why should they be expected to go to that effort when the DD guarantee is available for precisely these types of purposes.

And in any case how can the bank be "right" when they are failing to adhere to the rules and regulations that they themselves have subscribed to.

Wasting the bank's time over a penny then the ombudsman what next legal action (on legal aid probably!)

pvt

anotheralias wrote: »

The OP has explained why he had to use the DD guarantee for only 1p, so why is he/she a "total plank" for doing it???

Because it is obviously a very stupid and frivolous request to make! He should have told the idiot at Santander to go and boil his head!

anotheralias wrote: »

And in any case how can the bank be "right" when they are failing to adhere to the rules and regulations that they themselves have subscribed to.

You know. Perhaps you're right. The correct thing the manager should have done is calmly reached into his own pocket and fetched out a penny to give to the OP, and then told the OP he was no longer welcome as a customer and that he had 30 days to find another bank to p!ss about with stupid timewasting requests.

In the face of such stupidity by Santander, the OP's simplest solution was surely to make one small purchase on the CC and pay it off in full the following month, less one penny (as Toe-Jam suggested) - and to make a mental note never to make the mistake of ever again using the most useless of all things - the door on a Santander Bank branch!

pvt

visjig

pvt wrote: »

Because it is obviously a very stupid and frivolous request to make! He should have told the idiot at Santander to go and boil his head!




You know. Perhaps you're right. The correct thing the manager should have done is calmly reached into his own pocket and fetched out a penny to give to the OP, and then told the OP he was no longer welcome as a customer and that he had 30 days to find another bank to p!ss about with stupid timewasting requests.

In the face of such stupidity by Santander, the OP's simplest solution was surely to make one small purchase on the CC and pay it off in full the following month, less one penny - and to make a mental note never to make the mistake of ever again using the most useless of all things - the door on a Santander Bank branch!

pvt

Even if the bank manager had given me his penny, that would still not solve me original problem of getting the 1p off the santander account so the account can be closed. it should not have mattered to the bank manager whether my request was for 1p or a 100,000p!!!! the request for direct debit indemnity should have been processed and that would have been the end of matter.........

bexster1975

why can't people READ the OP!

OP is trying to close a line of credit. Banks are being usual useless selves!

It is such a pity these boards are being hijacked by morons who can't read and have nothing useful to offer.

pvt

visjig wrote: »

Even if the bank manager had given me his penny, that would still not solve me original problem of getting the 1p off the santander account so the account can be closed. it should not have mattered to the bank manager whether my request was for 1p or a 100,000p!!!! the request for direct debit indemnity should have been processed and that would have been the end of matter.........

Of course the amount is relevant. Of course the bank manager was right to refuse to do a 1p DD indemnity claim. If you continue to pursue your line of action then you are likely to find yourself no longer a NatWest customer. I am amazed at the manager's restraint in not making the decision to give you notice that your custom was no longer needed by his company.

Natwest would be perfectly within its rights to credit your account with one penny and not do the DD indemnity claim.

For goodness sake take 2 steps back from this and look at how stupid you looked going into a branch asking for a 1p DD indemnity claim. They must have wet themselves laughing at you.:rotfl::rotfl::rotfl: