Santander sending me text messages that I cannot identify as Genuine

2e0arr

8i6daddy wrote: »

The course of action I would have taken would have been to login to my internet banking and look at what preferences were set, totally ignoring responding to the text message.

To go to the extreme of contacting third parties is absolutely ridiculous. Im so pleased my mind doesnt work in this way!!! The OP must be a paranoid wreck constantly!

Please cease and desist from making these comments of a personal nature about me

2e0arr

[Deleted User] wrote:

Hi,

OP you have the option of closing your account and going somewhere else, though it sounds like you will stick this out until you get some financial compensation.

That may or may not be the case. I'm sure this website encourages people learn about the Financial Ombudsman and the Information Commissioners Office how to protect your self and how to claim.

I have made no claim to the bank for compensation however from reading advice on this site i can make a Subject Access Request for a legible copy of the telephone conversations with them a couple of days ago. Also from information on this website the £10 cost of the SAR will enable me to also request a legible copy of all of my data which spreads back to 1972

Steve_xx

2e0arr wrote: »

What is an MGM production please?

I have another bank which state in their emails that I'm responsible to check the authenticity of the emails that they send me

An MGM production is similar in nature to a WUM.

jonesMUFCforever

2e0arr wrote: »

That may or may not be the case. I'm sure this website encourages people learn about the Financial Ombudsman and the Information Commissioners Office how to protect your self and how to claim.

I have made no claim to the bank for compensation however from reading advice on this site i can make a Subject Access Request for a legible copy of the telephone conversations with them a couple of days ago. Also from information on this website the £10 cost of the SAR will enable me to also request a legible copy of all of my data which spreads back to 1972

They will send all of the data held on you but only the data they still hold which may go back to 1972 but is unlikely.

DCFC79

2e0arr wrote: »

Santander have a system glitch on their 123 accounts re direct debits which they still have not addressed and could affect interest payments, this has been ongoing for over 4 years and hasn't been addressed and probaby affected mse users.
To pester people with text messages for their own benefit when there is a simpler solution gives me the impression it shows lack of customer care.
I am simply following a system that they have signed up to and working within their own procedures.

Whats the glitch with direct debits ?

Not noticed the glitch.

k3lvc

Me neither - but then I'm not in possession of a tin foil hat :rotfl:


This is turning into post of the week

2e0arr

When you open a Santander 123 account you need 2 direct debit plus a sum of money arriving each month to trigger interest.
So you set up a direct debit with the Post Office saver to request 50p per month for one year ending on the 31 march 2017. When is has completed you go back to your Post Office saver account and set up another direct debit to end on 31 march 2018.


Here's their problem glitch the old direct debit stays on your Santander when the new direct debit request payment arrive. Santanders 123 system sees only the old payment instruction and refuses payment thus no interest is paid.
When you contact Santander they refuse to accept its their problem and refer you to the Post Office who are unable to do anything.
It was only when after a number of calls I found a Santander person in Belfast Office who understood it and realised there is a work around. He was unable to remove the old instruction that had ended its time period from their system but he was able to edit it. He simply edited the end date to 9999 and it worked. This happened to my wifes account about 2 years ago.


It happened to mine some months later. Luckily I still had the Belfast guys name.


After contacting Santander the operator flatly refused to believe what I said and that it could be edited. I requested a supervisor call me. I called back spoke to the complaints team the guy in Liverpool was unaware of this but logged the complaint and I said simple please listen to the call previously.


When he got back to me he had listened to the call and said it was unacceptable and after checking he discovered the old instruction can be edited and apologised on both parts.

A few days later he called me back and said Im sorry im told it cannot now be edited you will have to make other arrangements.

I called Santander back and asked them to get the Belfast bloke to telephone me. The Belfast bloke called me I explained and while we were talking he edited the old instruction to end on year 9999. I knew it was working because it appeared on the online account again as a direct debit and its is still working.


I called the complaints team guy in Liverpool and explained what I had done and who had done it.
He called me back after checking it out and could only apologise. I had been insulted talked down to humiliated embarrassed only to discover I knew more about their system than they did.

I hope this helps

2e0arr

jonesMUFCforever wrote: »

They will send all of the data held on you but only the data they still hold which may go back to 1972 but is unlikely.

They will have to go to their archive store.

It will take a lot of time and manpower to service my SAR.
with information from the MSE I made an SAR to an organisation i used to work for for 6 years.

The pile of paperwork they sent me was 1.75 metres high and costed £145 in special delivery and took two full time members of staff 2.5 weeks to complete.

Two of the sheets in the pile assisted greatly in a successful employment tribunal claim for me.

[Deleted User]

Hi,

do you get some kind of satisfaction from this?

How long did it take you to read through 1.75m of
documents?

18cc

No organisation, especially banks, should send out unexpected texts or emails asking you to take some action. The reasons are obvious.

If they want you to do something they should text you and ask you to log on to your account and complete the action there