Santander sharp practice

oldfella

in my experience active means available to use. You dont need a DD to go through each month, but they must be there to be called on.

Ifts

Archi_Bald wrote: »

I agree that there is no mention of the term "active DD" in the T&Cs, not to talk about any definition of what would constitute an active DD. But a cancelled DD - which you said you had - can't be counted as a DD, active or otherwise.

It does say in the T&Cs (1|2|3 Current Account Key Facts Document including Pre-Contractual Information) that you do need to "Have at least two active Direct Debits".

#5 under Interest rates and cashback / Eligibility for cashback and interest.
http://www.santander.co.uk/uk/current-accounts/123-current-account

Archi_Bald

Ifts wrote: »

It does say in the T&Cs (1|2|3 Current Account Key Facts Document including Pre-Contractual Information) that you do need to "Have at least two active Direct Debits".

#5 under Interest rates and cashback / Eligibility for cashback and interest.
http://www.santander.co.uk/uk/current-accounts/123-current-account

Yes, I noticed that after I had posted and I have amended my post.

enthusiasticsaver

Surely the question should be why did BT cancel your DD? I have 2 Santander 123 accounts and have had no issue but then I have 3 direct debits on one account and 7 on the other, they do not have to be monthly. I would take it as read that they should both be active. Hardly sharp practice.

colsten

enthusiasticsaver wrote: »

Surely the question should be why did BT cancel your DD?

I had asked that before but missile must have overlooked the question.

colsten wrote: »

If BT cancelled your DD and shouldn't have done so, complain to them (and sort out how you pay them in future). If BT cancelled the DD because you no longer have their services, complain to yourself.

Thrugelmir

enthusiasticsaver wrote: »

Surely the question should be why did BT cancel your DD?

BT wouldn't have cancel it for any other reason that there was no money due to be collected. Pass the ball back to the OP. Trying to be clever without determining the full facts is the downfall of many people.

Vortigern

Thrugelmir wrote: »

BT wouldn't have cancel it for any other reason that there was no money due to be collected.

BT wouldn't cancel a DD just because there was no money to collect. (My BT account was in credit for many months. They did not collect on the DD; they did not cancel it; it remained "active")

BT would cancel missile's DD if he had changed his telephony supplier.

What if missile had 2 DDs active and used during the statement period just ended. One of these DDs was for BT. He changed telephony supplier and during the current statement period had 2 DDs paid out. One of these was to his new telephony supplier. By unfortunate timing the interest was assessed on a day after the BT DD had been cancelled but before the new telephony DD had been registered.

In such circumstances I would suggest that missile had complied with the spirit of the rules, if not with the letter of the rules, and should appeal to Santander for interest to be paid.

@missile: Thanks for the warning. I've just opened another 123, so it's a timely reminder for me.

missile

Many thanks for your sympathetic response Vortigen. We all live and learn by our "mistakes", but it seems others on this forum never make any <LOL>

ViolaLass

missile wrote: »

Many thanks for your sympathetic response Vortigen. We all live and learn by our "mistakes", but it seems others on this forum never make any <LOL>

Or when we do, we don't automatically blame the banks.

jimjames

I got caught with a similar thing with co-op. All their marketing literature says you just need to transfer 2 DD which I did. It's only when you read the details you find they also need to remain on the account to qualify for the £100.

Whose fault? I closed the account which generated the DD so can't blame anyone else