Credit card application approved, advised card is on the way in error. - Complaint advice

sukhi_cov

Hi all,

Looking for some advice if possible.

I applied for a balance transfer credit card with a 0% balance transfer offer with Santander in August, it was pre approved, ran a full application and was advised contact would be made within 5 days regarding the application.

No can’t was made until 2 months later where I was advised the application had been approved and was advised card is on the way and would take 5 days to get me.

No card was received, had a text to say please activate card etc.

I called 3 times over the space of 2 weeks to be told they didn’t know what was happening and would be called back, nobody called.

Raised a complaint last month to be told the application encountered an error initially hence why I didn’t receive any card, they ran the application again recently but it was declined so they can’t offer me a credit card now due to my affordability changing.

When the application was accepted and I was told card was on its way, I made some purchases on another credit card which i wanted to transfer the a balance of to the Santander credit card that I was told was on its way. 

I understand they can’t offer me a credit card now which I have accepted. However in terms of any compensation offered what would you deem as sufficient? I made the extra purchases and will either need to pay them off earlier then I intended to or will incur interest on them. They didn’t make me spend the money on the purchases I appreciate that and don’t expect them to pay for the purchases either.

So my question is, what can I expect from Santander regarding the complaint and what should I accept? 

Thank you

born_again

TBH. I would guess they will say sorry & maybe at best offer a few £.

You have no right to compensation to money you spent in the mean time.

retiredbanker1

Sorry but an apology letter is your only compensation owed.

sukhi_cov

Well they offered £100 I said no, they then offered £300 which I accepted. Either I got lucky and the complaint handler was feeling generous or something seriously wrong is going on at Santander. 

sausage_time

That's a very good result.

TheSpectator

sukhi_cov said:

Well they offered £100 I said no, they then offered £300 which I accepted. Either I got lucky and the complaint handler was feeling generous or something seriously wrong is going on at Santander. 

It's 'go away' money that they would rather pay than spend more money if you went to FOS.