TELL THE WORLD WHAT WENT WRONG AND HOPEFULLY THE WORLD WILL GET BETTER
Always Happy to Help
On the 28th February I received my Debenhams Card Statement and I paid off the
balance of £ 83.99 on the 1st March from my Halifax account using BACS (Bankers
Automated Clearing Services).
Seven days later the amount was back in my bank account. I checked and re-checked
the information I had provided for the transfer, i.e. the sort code, bank account
number and my card number but everything was in order.
I had made no mistake and I was at a total loss to understand why Santander, who
administrate the Debenhams Card, had returned my payment.
I wrote to them on the 10th March and asked them for an explanation as I wanted to
make sure that the payment would go through if I send it again but, regretfully,
they chose to ignore my letter and never responded.
On the 22rd March I received another statement from Santander together with a NOTICE
OF DEFAULT SUMS for £12.00 which was described as LATE PAYMENT FEEand, in addition,
they also charged me £ 2.53 in interest.
I have no intention to pay these two amounts and I have now written to Santander
at their above Leeds address to give me a logical and rational explanation as to
why my payment was rejected and returned and why they did not answer my letter.
Watch this space and see what they say
Santander Cards UK Ltd
P O Box 700
Today is the 1st April 2011 ( April Fools Day) and I have received yet another letter
from Santander threatening me with administration fees and further interest if I
don’t make a payment, telling me that my payment record will be reported to the credit
reference agencies and that my failure to pay will seriously affect my ability to
use my account in the future
Once again I have written to Santander and, for the THIRD time requested that they
communicate with me in an effort to sort this out this mess as I cannot see how we
can resolve this matter if they don’t respond to any correspondence.
I am sick and tired having to write to them and I have no intention of using my Debenham
Credit Card or any other Santander Card in the future.
6th April 2011
Today I had a phone call from Santander apologising for not responding to my letter
and informing me that they had cancelled the Late Payment Charge and the interest
and that my account is now back to ZERO
20th April 2011
And just when I thought it was all over they sent me yet another statement, this
time showing an outstanding balance of
which, they say, is the interest on the amount they should not have charged me in
the first instance.
Once again, I returned the statement and asked them to cancel this fee
It would not surprise me if they now charge me another late payment fee as I clearly
have no intention of paying this interest
Santander have finally replied and apologised for the ‘level of service’ I have
received and have now confirmed that all charges have been removed.
They have also told me that they have applied a credit of £15.00 to my account for
any inconvenience they have caused me and that this credit will appear on my next
I won’t go mad yet and spend it – I think I rather wait for my statement and decide
then if I am going to use my Debenhams Credit Card in the future
Whilst we try to ensure that the complaint is truthful and factual we cannot accept
responsibility for the complaint. If you are affected by the complaint and if you
think that the complaint is inaccurate or misleading then please contact us with
supporting details of your objection and we will gladly remove any erroneous part
from this page
It was too good to be true.
When I tried to use my card at my local ASDA petrol station I found, to my embarrassment,
that my card now longer works. Every time I inserted it into the card reader a message
‘ Transaction cancelled’
Fortunately I did have another card on me which worked fine and I have now written
yet another letter to SANTANDER asking them to explain to me what is going on.
What good is a £15.00 credit in my account when I can’t spend it?
So please watch this space and see what they have got to say now
Today is the 12th August 2011 and I am still waiting for a response from Santander