New card - Abbey Zero

harz99

not_loaded wrote: »

Ah, but now I have a ‘How To Complain’ leaflet… As if a 55 year old who has lived in the UK all his life would not know how to complain.

I feel that reading the good and the bad on this thread helps punters make a decision on which card to go for.

Giving up so easily is what has got us where we are today.

If you stop now you will hardly have given up easily!

exel1966

not_loaded wrote: »

but bearing in mind how crappy customer service has become in the UK, I think it’s in everyone’s interest to complain about abysmal service when it is encountered.

Giving up so easily is what has got us where we are today.

Exactly the way I look at these things. If more people would stand up for themselves and take action the British public would not be fobbed off so easily.

Having lived in the US for 3 years and experienced 'their' customer service I can asure you that complaints are taken far more seroiusly and dealt with swiftly.

IHateUlsterBank

I want to relay my experience at Ulster Bank for anyone considering using this bank for a balance transfer. I did a balance transfer and was surprised at their weird payment method they have for these credit cards. They make you pay by bank transfer into their account quoting thier account number and sort code- you put your cedit card number done as the reference for this payment. So this is the only way they know that the money you pay is for your account. After making the first payment to them via this method (I actually did this while a Ulster Bank advisor talked me through this). After a few weeks I get a statement telling me that they have not received a payment from me and as a result I lose my 0% interest rate and have to pay late charges. I spend the next 6 months arguing with them over this. After a while they admitted that my payment had got lost in the system and agreed that I had infact paid them ontime, However they didn't refund the charges and did not reinstate the 0%. The agruments went on I spent a fortune calling them to sort this out and each timeI spoke to someone I had to explain the story all over again. Anyway they finally paid me back the charges - but only after I asked to close the account and had paid back the balance.

I thought the nightmare was over. However I applied to remortage my property - I have a northern rock mortgage and so am desparate to get remortaged. When I applied for this I was turned down flat . I also applied for another credit card with Abbey Zero and again was turned down flat.

I rang Ulster Bank and asked if they had given me a bad credit rating and they said no. However I didn't trust them and paid for a credit report. Ulster bank has listed me as a late payer and having missed payments.

I rang them and was told again that I was a late payer over the phone from them even though the matter had been cleared up weeks previously and they had admitted that the mistake was there's.

After only much shouting down the phone to them I finally found a sane person to agree to change my credit rating with this bank.
So after 7 months of hell with this bank I have a clean credit rating again.

However I am still having probelms with them because despite asking them on numerous occasions to shut down my account - they have not done so and I still receive statements. I want this shut down and they simply don't do it.

I have never received such appalling customer service fom a bank before and the constant accusing tone I experienced every time I called them was way beyond professional.

PLEASE THINK CAREFULLY BEFORE APPLYING FOR THIS CREDIT CARD. I WANT TO SAVE YOU GUYS THIS NIGHTMARE

not_loaded

IHateUlsterBank wrote: »

…I have never received such appalling customer service from a bank before…

Heck, just send off an application to Santander Zero at Bradford!

Come on Grupo Santander! Bung a few Euros to the IT chappies and clean this mess up!

I’m still waiting for you to process my one piece of A4 paper…

mummytwinton

we got £4000 & the card from start to finish only took 14 days, really pleased

not_loaded

mummytwinton wrote: »

we got £4000 & the card from start to finish only took 14 days, really pleased

Were you a valued, existing customer with a pre-approved acceptance?

LXGB

My Abbey Zero credit agreement finally arrived yesterday, only took 6 weeks!

Gonna hang on to it and post it back in about 2 months, by the time it gets sorted, should be just right for my next BT.

YorkshireBoy

LXGB wrote: »

My Abbey Zero credit agreement finally arrived yesterday, only took 6 weeks!

Gonna hang on to it and post it back in about 2 months, by the time it gets sorted, should be just right for my next BT.

I wouldn't be too sure...

To benefit from the promotional rate of 0% you must make your balance transfer(s) within one month of opening your account.

http://www.abbey.com/csgs/Satellite?c=GSProducto&cid=1127562716388&pagename=Abbey%2FGSProducto%2FGS_SubcategoriaP

Kavanne

LXGB wrote: »

My Abbey Zero credit agreement finally arrived yesterday, only took 6 weeks!

Gonna hang on to it and post it back in about 2 months, by the time it gets sorted, should be just right for my next BT.

Also that paperwork might not be valid in 2 months time!

LXGB

The way I understand it, your account isn't opened until you return the credit agreement. I might give them a call.