Santander have done it again - charged me £12 fee because THEY processed my d/d late

terryads

Following a tip on this site I e-mailed a copy of correspondence to ceo@santander.co.uk . This has produced rapid action, refund of charges and £100 compensation for the trouble, more importantly with a promise to investigate the reasons for the failures and report back to us. I'm afraid I still have had confidence shaken too much in them to open a 123 account.

planteria

Roger1 wrote: »

At least it doesn't seem to have been reported as such to credit reference agencies.

i would double check that. they're a frustrating bunch, but you just have to fight your corner.

planteria

terryads wrote: »

We have a Zero CC account for which a correctly set up, acknowledged and previously working fine Direct Debit had been set up to pay off the balance in full. The DD was still in place in May when I last checked with my bank. This month we discovered no DD had been taken and were rapidly hit with default and interest charges. Furthermore trying to pay by debit card through the internet site was rejected and the site refuses to allow a new DD to be established even though the facility exists (telling me the details of the account to be debited are wrong, when they're coorect). Initial complaint just produced a message confirming there was no DD in place and to ring an 0845 to set one up, with no attempt to address the question of what had gone wrong and remove charges. Further complaints have secured nothing more than an acknowledgement well over a week on. Shame they don't sort out problems as quickly as they whack on the charges. HSBC confirm the DD was cancelled by Santander in June - but we were never told. We were going to try one of these 123 accounts, but not now, and indeed we've withdrawn all our savings from Santander - I need to be able to trust a bank. For all those expressing surprise at them faring badly in the ranking - have a look at the financial problem pages in newspapers and see how often this lot occur.

they can be really hard work, but a friend of mine was only saying the other night "Santander are cack, but their deals are right", and on that basis i have an S123 account earning me 3% and allowing them to loan my money to other unfortunate Santander customers;)

terryads

My wife was recounting our experience to a friend who told her they had switched to a 123 account and used their DD switching service. They discovered when their ISP disconnected their broadband that none had in fact been paid by Santander. Like I said it's difficult to have confidence. The consequences for our Zero card issue were relatively minor for us, but failing to pay out DDs can have serious consequences.