Santander Cards / Mis-selling
I am enquiring on behalf of my father, who is 55, not well educated, and has never had a credit card in his life. Somehow, the Abbey/Santander have issued him with one - they must have bamboozled him with info one day he was in the local branch and got him to sign on the dotted line. He cannot recall doing so and does not understand how a credit card operates. When it arrived in the post, he thought it was a new debit card for his bank account and proceeded to spend on it in shops and withdraw cash from it. He has now been charged missed payment fees and interest on the cash withdrawn. The first statement co-incided with the funeral of his own father and may have been overlooked. Despite attempts to pay off the fees and cancel the card in the branch and on the phone, none of the staff have been able to help him, trying to encourage him towards telephone banking and online banking, which he does not understand. Is this a case of mis-selling a credit card? And is my father entitled to a refund of the fees and interest charges?