Skip to main content

Santander - A Woeful Distraction

I'm not above a good old fashioned rant at the banks. If it's good enough for (insert middle of the road comedian) then it's good enough for (insert me). Plus I've spent all last week pursuing a complaint made on the 21st to what seems to be a giant black hole of complete indifference.
For about the last year, until this March, I was treading ground with my account which was just within the £200 overdraft, merely paying off the interest thereon. I was then informed that, as of April, they were going to change their overdraft arrangements (as you do) which would leave me unable to pay them and thus incur charges. Wanting to avoid this I contacted them, despite their total lack of interest (because I wasn't technically in debt) I made a complaint which resulted in an arrange to pay off that amount at £3 a month with the overdraft being removed and the account being closed at the end. They even wrote to me notarising this. Great, thought I.
So everything had been going along swimmingly with this arrangement until the middle of this month whereupon I receive a letter urging me to get in touch and warning of credit default consequences and that action would be taken if I failed to contact them. Huh?
Turns out that, when they said, back in March, that they would review the situation in 6 months - which is fine - they meant that the agreement would only ever last 6 months and that I'd have to find £180 to pay back pretty sharpish or my credit rating goes tits up and they send my debt on to the Mitchell Brothers to collect instead. Well that's bollocks; why would I have agreed to that as doing so has effectively left me in a much worse position with no overdraft and a large amount of money I now actually do owe and no agreement to pay it off!
On top of that no one told me this in September, or until now - but they've been happy to accept my payments made in what seems blissful ignorance. The overdraft should have been removed (had the agreement gone as intended) in March, but was in fact removed in October - a month after the agreement supposedly ended. Again they could have warned me about this in September and a new agreement negotiated.
I've spent the entire week on the phone (god bless saynotto0870.com) to their collections department as well as their complaints department being bounced around between. To say Santander are incompetent, negligent and irresponsible would be to do those words a grotesque disservice. Their reputation for such is...well deserved.
Ever deal with the devil...?

Comments

Popular posts from this blog

I Fucking Hate the Work Programme

That did not go well.
My legs were wobbly to begin with as I closed in on the church that passes for the office of the employment wing of the Salvation Army. My appointment was 3 to half past. I really did feel sick. Pretty early on, when he asked for the forms he gave me last time to fill in, I knew that what was arranged on the letter (a short interview with me bringing my CV and jobsearch) was actually going to be much longer. I also knew that, come half three when I had to leave to catch my bus back ten minutes later, I was going to have problems. 
Unfortunately, though more for me I fear, it never got that far; at 20 past he terminated the interview citing my apparent 'putting up barriers' as the reason not to continue. This was because I refused consent for him to keep my CV. I asked why he needed it and offered, three times, to show it to him (that's all), he said it was to apply for jobs on my behalf. The EEC's need this information.
What's an EEC? Employm…

U.N. and Them

What are my thoughts on this?

It's a humanitarian crisis. Is that a phrase we should only reserve for famines in Africa or force majeure? We seem to have a blind spot to these things when they are on our own doorstep - it couldn't happen here, could it?

Yes.

Seven years of the most brutal selfish and greedy governance, not to mention the least competent, has brought us to the point where the United Nations are telling the Tories they are causing a 'human catastrophe' amongst the disabled and the sick. This is not the first time, and even that doesn't include their comments on the hated and spiteful (not to mention ineffectual) Bedroom Tax.

Do the Tories persist with these policies because they actually believe they are correct or even moral?

Or is it because they have no other way to appease the media attack dogs and/or the braying Shirefolk that delight in persecuting the poor as they do torturing foxes and badgers?

Is it both?

We have a government, in a first wor…

Into the Mirror

So tomorrow morning is my WCA. Needless to say I am not looking forward to it, and that would be an understatement. It's currently sitting in my mind, refusing to leave, cooking up a stultifying negativity. That's the thing with depression; it's a presence that, even if you manage to distract yourself for a time, it returns with hammer-like vengeance. That feeling alone is enough to make the problem of depression the horrible reality it is. Sucker punched by your own thoughts.

Logically - as if we live in a logical society - I should pass. My situation is unchanged from last year. However that is exactly why I won't pass. You might think it reasonable to simply report that fact, but the simplicity of doing so, the ease of process, is exactly why you can't. Instead I will be seen, likely by someone different, and asked the same questions; some of which will not be relevant but part of the deceptive nature of the process. For example, being asked 'how did you get…