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

Toe-Jam

bexster1975 wrote: »

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.

Great Paradox.

lisyloo

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

Toe-jam.
How do you spend a penny if you no longer have the card? (just guessing that may be the problem).

bexster1975

Toe-Jam wrote: »

Great Paradox.

:rotfl: (Message is too short - however nothing more to say to this troll!)

Toe-Jam

lisyloo wrote: »

Toe-jam.
How do you spend a penny if you no longer have the card? (just guessing that may be the problem).

Well I assumed they have the card, as it doesn't say that they have destroyed it.

lisyloo

I happen to agree with you that if thya have the card then it's obvious they should just use it.
But it's so blindingly obvious then I'm wondering if your assumption is wrong and they don't have the card to spend on.
Many people cut up their cards before cancelling.

WhiteHorse

pvt wrote: »

... 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!

A friend of mine went to close a Santander account (it was in credit by a couple of pounds), and staff initially refused. She was then subjected to an aggressive interrogation during which they tried to obtain details of her accounts elsewhere. It got quite ugly.

No-one in their right mind has anything to do with Santander!

noh

Santander should just close the account and send a cheque for the balance.

I know it's not quite the same thing but when I closed my current account with them last November they had no problem in sending me a cheque for 1p. I haven't bothered to pay it in!

burnsy89

pvt wrote: »

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:

The amount is NOT relevant!! The customer is covered by their Direct Debit Guarantee! Bearing in mind the customer was sent to NatWest under the instruction of a bank official, the manager should not have been so rude!!

NatWest do NOT have the right to refuse their custom either. Under what grounds? The customer was not abusive in any way. How stupid would the customer have looked going into Tesco and spending a penny?? Do Tesco even sell anything at that price? Because I don't know many other places that don't impose a minimum spend. You would be equally as embarrassed spending a penny on a credit card as you would requesting a DD Indemnity for 1p.

You are pompous and arrogant and you clearly think you know a lot. Well you clearly know nothing because that statement you made was nothing but unjustifiable verbal vomit!

pvt

burnsy89 wrote: »

The amount is NOT relevant!! The customer is covered by their Direct Debit Guarantee! Bearing in mind the customer was sent to NatWest under the instruction of a bank official, the manager should not have been so rude!!

NatWest do NOT have the right to refuse their custom either. Under what grounds? The customer was not abusive in any way. How stupid would the customer have looked going into Tesco and spending a penny?? Do Tesco even sell anything at that price? Because I don't know many other places that don't impose a minimum spend. You would be equally as embarrassed spending a penny on a credit card as you would requesting a DD Indemnity for 1p.

You are pompous and arrogant and you clearly think you know a lot. Well you clearly know nothing because that statement you made was nothing but unjustifiable verbal vomit!

Of course NatWest has the right to refuse the OP's custom. It's a commercial operation and can chose exactly who it does business with - as the OP will discover very quickly if he persists with his stupidity.

I said NatWest had the right to credit the customer's account with 1p and chose not to do the DD indemnity.

In exactly the same way that when a £25 fraud is committed on my account, they are obliged to put £25 back into it. But I don't have a right to demand that they pursue the fraudster in Sao Paulo, at whatever cost, to get the money back. They have the right to make whatever commercial decision suits them in order to put your account back in the position it should have been in. That is why the amount involved is so obviously relevant!

I don't recall anyone suggesting the OP just spend 1p. The suggestion was to make a very small transaction, like a fiver or a tenner. Then pay the outstanding amount off next month.

We only have the OP's word for it that they weren't abusive. I would suggest that demanding the bank make a 1p DD indemnity claim was abusing the process myself. And was the bank manager rude, or did he just robustly refuse a very stupid and unreasonable request? My 5-year-old says I'm very rude when I won't give him wine with his dinner like Mummy and Daddy have!

burnsy89

Personally I think you picked on the person who asked the question - your response was very harsh!

Not everybody on this site is banking savvy.

The point of the issue is that one bank made a ridiculous request that the customer claim back the DD, instead of just sending him a cheque or crediting his bank account. The other bank then ping pong'd him straight back to the other bank, knowing exactly how useless they were.

Why should it be such a hassle to close a credit card anyway?

Santander are completely at fault here! And if the asker is telling the truth about the bank manager showing them up in a crowded branch then the manager very clearly handled the situation wrongly! Neither one of these banks showed any sort of basic level of customer service.

And to the asker... I don't know what the ombudsman can be expected to do if you haven't gone through the official complaints process....unless you have written confirmation that they are refusing to close the account of course, then you can go straight to the ombudsman! You might have jumped the gun a bit there!