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Anyone queried Condition 9.10 - Santander?


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Hello all,


Just wondered what people feel about more ways of charging customers money? Earlier in the year we had a update to the conditions on a Sandander storecard.


"Condition 9.10 - this new Condition explains that you may not have a credit balance on your Account, but if there is a credit balance for three consecutive months, we will charge you a fee of up to £10 (the fee will not exceed the amount of you credit balance)."


So we wrote back and asked (gist) how they could justify charging people being in credit with them?


We did have a waffle of an answer back that basically said they could do what they like, it is in the terms and conditions - but they didn't answer my question. So we wrote again asking again.


This time no reply for month. However today a letter comes from Santander saying ".... your card is due to expire in the coming month.... ....following a review of your account we will not be reissuing a new card and therefore after the defined expiry date on your card the account will only be open for payments....."


We have not missed any payments, some month the balance is paid off and sometimes there is a declining balance with at least 15% paid off.


Does this sound like petty retaliation?


We are not bothered is they do close the account, the store has just lost a customer and the store is going to be told why, (not that it will make any difference ;-) ).



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Yes it looks like retaliatory action.

If you could prove the connection of course you could report them.

During the OFT test case in the early stages a few banks were taken to task on this by the FSA and some customers got compensation.

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