Think we were misled about card.

aleph_0

Anthorn wrote: »

Why don't you send them chocolates and flowers too?

I agree, demand is the wrong word here, different people are using it to mean different things. One should be *assertive*, but I would suggest doing this in a polite way. It's a much better way of resolving things, and it's much more difficult to ignore a polite customer - if one is, or appears to be, aggressive, then it's much easier for staff to (rightly) refuse help.

thenudeone

The bank staff may have misled you, but credit agreements are usually quite explicit about what they are.

Usually, in a separate box where you are asked to sign it says clearly:
"This is a credit agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms"
That should have been a clue.

Anyway, you have 7 days from receipt in which to cancel the agreement and legally it will be as if it never existed. Just sign in the box on the form provided and send it back with the card. It's not the end of the world.

JimmyTheWig

thenudeone wrote: »

Usually, in a separate box where you are asked to sign it says clearly:
"This is a credit agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms"
That should have been a clue.

Presumably they were getting an overdraft with the current account. In which case they would have had to sign this anyway, wouldn't they?

dr_adidas01

Anthorn wrote: »

Why don't you send them chocolates and flowers too?

My my aren't we the sarcastic and rude person. I can see why it is you would DEMAND from behavior like this!!!

innovate

The Santander 123 debit card is red, the credit card is black.

If the OP is correct and they didn't sign the application form for the credit card, Santander have made a mistake.

If the OP is not correct and they did sign the application form for the credit card, the OP has made a mistake.

In either case, since the OP doesn't want the credit card, they should go back into the Branch and ask that the credit card gets cancelled. Given that there is a charge for the card, I would request confirmation of the cancellation in writing.

In addition, if I were the OP, I would ignore all future "requests" from Santander (or any other bank) for a review. It's just a sales spiel, it has generally no useful purpose to you. None of the information they can convey is not already available online; and they would, of course, only ever tell you about their own products.

Having said this, the 123 account is one of my favourites because it pays me cashback and interest.

stupidmammy

Innovate, thanks very much for your advice. Just checked the bundle of paperwork that was given to us and we did sign a form, but we thought this was to change the account to the 123 account. I'm off to phone them now to cancel (we have 14 days from receipt of the card). I always thought that if you were asked to have a review by the bank that you had to attend. Well that WONT be happening again. I think I will skip blazing my guns though. Thanks everyone for your posts.:)

ses6jwg

Just as an aside, whilst I agree with some of the comments here I would like to address a couple of points.

I don't think this bad experience should put you off talking to your bank. And although a lot of people on this website are clued up with finance the majority of the public are not.

Yes chances are when a teller mentions something to you they are trying to "sell". This is the way businesses operate. However it does not mean they are trying to "con" you or scam you. Clearly when they mentioned the 123 account they had identified a potential need and were selling to it.

How much are you making from the current account? Would you have got these extra benefits or known about them had the bank teller not told you? For many people the answer to this question is NO.

I have saved some people £1000s of pounds in "reviews" on their savings, insurance, banking etc. People who did not know about changing their home insurance or ISA. I always make sure they understand what they are signing up for and that it is better and/or more suitable than what they had previously.

Unfortunately there are advisers such as the one mentioned in the OP who either lack the morals, or feel so under pressure to do so, that they do not go through the sales process correctly and explain things clearly. Unfortunately the banks fail to realise that a product based target system leads to this sort of thing inevitably.

You need to go into the branch, not all guns blazing, firmly of course, but calmly and politely and speak to the BRANCH MANAGER, not a customer service advisor or banking advisor, the branch manager. You need to explain that you felt things weren't explained clearly. The PBA will not get into trouble, but if this sort of thing is carrying on it needs to be nipped in the bud.

Anthorn

dr_adidas01 wrote: »

My my aren't we the sarcastic and rude person. I can see why it is you would DEMAND from behavior like this!!!

Perhaps you're not aware that for me and lots of others who are never overdrawn and always in credit bank accounts are a buyers market: They need us but we don't need them because there are loads of competing banks from the big 4 to challengers like Metro and Handelsbanken not to mention the co-op. c.f. "New Normal" which has existed since the debt crisis of 2007/8.

So all we do if we don't get the service we want is dump them! I did exactly that today!

dr_adidas01

Anthorn wrote: »

Perhaps you're not aware that for me and lots of others who are never overdrawn and always in credit bank accounts are a buyers market: They need us but we don't need them because there are loads of competing banks from the big 4 to challengers like Metro and Handelsbanken not to mention the co-op. c.f. "New Normal" which has existed since the debt crisis of 2007/8.

So all we do if we don't get the service we want is dump them! I did exactly that today!

So you assume I'm never in credit and go overdrawn!!! well your wrong, Never assume anything!!!

Your also wrong about you not needing the banks, if you didn't have a bank account how would you get your wages paid or benefits? They require them to be paid into some sort of account.

Just because you don't get what you want doesn't mean you have to be rude or demanding about it. Remember we don't always get what we want in life, so get over it!!!!

innovate

Anthorn wrote: »

So all we do if we don't get the service we want is dump them! I did exactly that today!

It is great that we have the option to close/stop using accounts and just go elsewhere whenever we like. For a while, anyway. Because if,every time a bank annoys you, you dump them and go elsewhere, you'd very soon run out of banks. They are all much of a muchness, anyway.

If you think they will even blink an eyelid if they lose your business, you are mistaken. For every customer that leaves, there will soon be a new one. You won't even register on their radar for having left. You are only a number to them, anyway, not a person. This is NOT anything personal about you, it's the same for all of us.