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Santander Cards / Mis-selling

1 United Kingdom Review updated:

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 He has now been charged missed payment fees and interest on the cash withdrawn.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?

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  • Ai
      14th of Feb, 2010
    0 Votes

    You can cancel the card/account which would close the account and prevent any further spending. But you would still be responsible for the balance... Hard lesson to learn, but you can't expect the bank to take responsibility for your father's actions. Just pay it back and be done with it. I bet he'll be even more careful from now on.

  • Bu
      14th of Feb, 2010
    0 Votes

    He is always very careful about finances, always pays up-front for everything and does not like accounts or bills of any sort, which is why I am quite certain that he has been tricked/talked into signing for the credit card by a member of the counter staff trying to meet targets or get a bonus... He would never knowingly take out a credit card. There are over £100 of interest fees for cash withdrawn on the card, while he has thousands of pounds sitting in his current account which he thought he was withdrawing. It may be that the staff member assumed he knew what a credit card was, but he does not and I had to explain it to him. Is it acceptable for bank staff to assume that all members of the public know what a credit card is? Should they not take more care to ensure that their customers fully understand what it is and how it works?

  • Ca
      31st of Mar, 2010
    0 Votes

    There are two sides to this. Number one, you (your father) shouldn't go signing away to anything. There is a process to follow when getting a credit card, and you are given the credit agreement to read. That's just irresponsible. I'm sure he's a respectable man, but claiming that he was 'forced' into it, is just not right. Now secondly, the card is a service. They give you credit, up to thousands of pounds worth, and all you need to do is pay a bit off every month. Not a bad deal if ou know what you're doing. Blaming them is just a bit naive. But, there are procedures to follow for his situation. I suggest to stop spending, ask or the total due amount (to get you out of arrears if you are) and follow the month payments at least. If you're able to pay off the balance in full, I suggest to do that, and they might look at waiving fees.

  • Re
      6th of Apr, 2010
    0 Votes

    Santander are unethical financial sharks. Cahyle obviously found his/her ethichal home.

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