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

pvt

Burnsy,

My response was harsh?? When responding to a guy who has complained to the FOS that his bank wouldn't accede to a request for a 1p DD indemnity claim that he should not have been making?

As regards all those who posted on this thread saying the amount is irrelevant and he has a right to get his cash back through the DD indemnity. What grounds did the OP have for making the Indemnity claim then?
- He hadn't cancelled the DD mandate with either his bank or Santander;
- Santander had presumably written on his statement that a charge of 1p was to be made to his account;
- The CC account probably only went into credit after the automated proces for the DD collection had been instigated.

It looks to me as though both banks did exactly as they should have in relation to the DD. So I struggle to see the justification for the indemnity claim.

I think we're both agreed that Santander's advice was stupid. Read the opening and closing comments of my post #18.

What we appear to disagree on is NatWest's response to a request to claimback a correctly paid DD for 1p. As the OP had explained to them the profoundly ridiculous reason for making the request, had confirmed his understanding that it had been correctly processed by both banks, and told them it was Santander's stupid advice on how NatWest should expend effort and expense refunding 1p that the client had overpaid Santander. I say again that I think they showed remarkable restraint under the circumstances.

visjig

So Santander calls me today. !Apologised and promised to close the a/c and refund 1p plus £25 as a gesture of goodwill. !Result!!!! !Now waiting for NatWest to call and follow suit.

lisyloo

How stupid would the customer have looked going into Tesco and spending a penny?? Do Tesco even sell anything at that price?

How difficut is it to buy a sandwich for £2.49 (or whatever) and do a BACS transfer for £2.48.

I do think Sanatader are beign stupid and Nat west very rude, but I would have been more pragmatic.

Degenerate

lisyloo wrote: »

I do think Sanatader are beign stupid and Nat west very rude, but I would have been more pragmatic.

The correct way to mispell it is Satander.

visjig

jonesMUFCforever wrote: »

I think the bank was right what a total plank!

Get a life !

Just to let everyone know, NatWest called today and apologised with my balls in their hands. They have done their investigations and they have found me to be correct. Direct Debit Indemnity has to be processed irrespective of the amount. Now NatWest will also compensate me suitably (they hinted maybe a couple of bottles of wine) as a goodwill gesture and the process I had to go through with the concerned person at the branch. The said person will be further investigated, proper feedback will be provided to them as well and they maybe re-trained in basic customer service skills. This is brilliant news:).

This should silence all the doubters here who were terming me a time waster.

I hope the that "pvt" and "jonesMUFCforever" learn from this post to help out future people who have similar problems and not pursue their own agenda that everyone who complains is doing so to get money out of the system but we/I complain so the other party knows that they have made a mistake and they need to rectify it and learn from the mistake.

:j

tescomilk

visjig wrote: »

Just to let everyone know, NatWest called today and apologised with my balls in their hands. They have done their investigations and they have found me to be correct. Direct Debit Indemnity has to be processed irrespective of the amount. Now NatWest will also compensate me suitably (they hinted maybe a couple of bottles of wine) as a goodwill gesture and the process I had to go through with the concerned person at the branch. The said person will be further investigated, proper feedback will be provided to them as well and they maybe re-trained in basic customer service skills. This is brilliant news:).

This should silence all the doubters here who were terming me a time waster.

I hope the that "pvt" and "jonesMUFCforever" learn from this post to help out future people who have similar problems and not pursue their own agenda that everyone who complains is doing so to get money out of the system but we/I complain so the other party knows that they have made a mistake and they need to rectify it and learn from the mistake.

:j

Well done VISJIG. :beer:

We both knew at the time pvt and jonesMUFCforever were talking nonsense. User 'PVT' even suggested that the bank can make up their own rules because of commercial reasons!!!! :rotfl:

The whole point is these large companies should have used common sense to resolve this in the first place. People telling you on here to use the card for 1p or transfer more money and spend etc was silly. Why should you? The systems should have been in place to fix this in 2 seconds. These financial companies are supposed to serve us because they make money from us. The bank manager is just an employee, who obviously needed more training.

I do worry for some people on this thread. Users like PVT and jonesMUFCforever probably get screwed over all the time because they just accept whatever someone in a bank tells them

noh

No.
pvt and jonesMUFCforever or any other reasonable person would have made a writen request to Santander to close the Credit Card account.
Something along the lines of

Credit Card Acc. No 1234567891011125
Dear Sirs
In accordance with paragraph xxx of the terms and conditions of our Credit Card agreement please close the account upon receipt of this letter.
Please forward any outstanding credit balance to me by cheque.
Please inform the relevant credit reference agencies of the account closure and inform me when you have done so.

Yours faithfully

It's the way I always close credit card accounts. It gives confirmation that it has been actioned and an audit trail if needed.

It also avoids problems such as the original poster encounterd.

jonesMUFCforever

Well done - however there is nothing wrong with my eyesight - what's with the huge font?

Now get a life!.

Cell

How ironic your signature is, Jones.

Hopefully a whole lot of something brown and smelly will be coming your way, just because there are decent ways to treat people even if they are idiots (in your view), and you don't practice them.

kaych

so much about 'helpful banking' from Natwest... well done visjig!