Phone calls from Bank re neighbours debt..

NittyNora_2

agrinnall wrote: »

You haven't answered this question. If you are certain that the neighbour doesn't know your number then this is a far more likely explanation than Santander trying to use your number (which if they got it from your AN account they must know belongs to you) to attempt to contact someone who they know doesn't live at your address. I don't think even Santander are that stupid .

Obviously Santander are that stupid!!! I repeat my neighbour did and does NOT know my landline number.

What has made this more difficult for stupid Santander to understand is that my neighbour and I live in self contained apartments in the same building. I have explained this to them but the calls continued.

NittyNora_2

vaio wrote: »

the complaint would be that they failed to stop calling when told they had the wrong number

That could work as I did have a dated letter in response to my complaint from Santander stating that the calls would stop and emails from myself of a later date reporting the continuation of the calls.

Santander's response to being told by me that the calls had continued was an automated response to close the complaint... had rather a lot of them.

dalesrider

NittyNora wrote: »

What has made this more difficult for stupid Santander to understand is that my neighbour and I live in self contained apartments in the same building. I have explained this to them but the calls continued.

Had this of gone to FOS.
Santander would have lost. On the basis that they were told that the party they were after did not live at this address or use this phone number.
Yet still continued to call.

I would find the neighbours number and provide Santander with in.
Not that hard to do at all

Even being listed on TPS does not stop companies from calling you.

vikingaero

NittyNora wrote: »

That could work as I did have a dated letter in response to my complaint from Santander stating that the calls would stop and emails from myself of a later date reporting the continuation of the calls.

Santander's response to being told by me that the calls had continued was an automated response to close the complaint... had rather a lot of them.

I have unlimited free minutes on my mobile and my latest tactic is to call back the unwanted number repeatedly, put it on mute when they answer and waste their time until they disconnect. I do this at least 10 times for every one time they call. I normally do it when I'm waiting to pick up my daughter from somewhere so it's during slack time.

Then when I can be bothered I call them and it's normally the same exasperated operator who has picked up my calls 5-6 times, I tell them that I'm calling them 10 times for every time they call me and I've wasted enough of their time so they have a choice to delete my number or face more calls.

I can also do this with my work line at home which has 4 lines which I can program to repeatedly dial one number, add pauses and disconnect.

NittyNora_2

i can still take a complaint to the FOS as this is all very recent.

Agricolae

If you take a complaint to FOS it may fail, but not because your case has no merit. Clearly Santander have ballsed this up.

Basically it would depend on whether Santander kept mistaking you for the neighbour who owed the debt (and asking you for payment), or were just making enquiries/wanted you to pass on the message.

From their website:

Some of the cases we see involve consumers who have become aware that they are being pursued for a debt through messages left by the debt collector with neighbours. We can deal with a complaint from anyone from whom debt collectors have requested payment. So we could deal with a complaint from a traced consumer if they had been asked to repay the debt through messages left with neighbours – but could not normally consider a complaint from the neighbours who had been asked to relay the message, unless they themselves had been asked (or pressured in some way) by the debt collector to repay the debt.

This seems to relate specifically to debt collectors rather than the banks themselves, but I wonder if it is relevant.

agrinnall

NittyNora wrote: »

Obviously Santander are that stupid!!! I repeat my neighbour did and does NOT know my landline number.

What has made this more difficult for stupid Santander to understand is that my neighbour and I live in self contained apartments in the same building. I have explained this to them but the calls continued.

But the point is that you STILL haven't answered the question. What is your neighbour's number? If it is similar to yours then perhaps it was a mistake (transposition of digits, mishearing, etc.) that recorded your number against their account.

NittyNora_2

agrinnall wrote: »

But the point is that you STILL haven't answered the question. What is your neighbour's number? If it is similar to yours then perhaps it was a mistake (transposition of digits, mishearing, etc.) that recorded your number against their account.

I have no idea what my neighbours number is and if they have a landline it will be nothing like my previous 30 year old number as I do live in a big city.They have lived there for 2 years. The new landline number I now have is nothing like my previous one

NittyNora_2

Agricolae wrote: »

If you take a complaint to FOS it may fail, but not because your case has no merit. Clearly Santander have ballsed this up.

Basically it would depend on whether Santander kept mistaking you for the neighbour who owed the debt (and asking you for payment), or were just making enquiries/wanted you to pass on the message.

The number that called me was a Santander credit card collection number and I was only asked if the caller could speak to my neighbour who they named.

I am very aware that I have to be very precise and careful in the wording of any complaint I make about Santander to the FOS.

vaio

don't forget you need to exhaust the banks complaints procedure (final decision letter) before you formally go to the FOS