Satander Grrr.

[tioaboa]

Cheers DX, will have another read tomorrow is the gist ok?

[citizenB]

Hi All

 

Dear Sir,

 

I write to you after very disappointing treatment from your retail collections department and complaints team. I am concerned that your company is not acting fairly, inline with the Lending code and OFT guidelines for dealing with financial hardship, to which I understand you subscribe.

 

I have been in correspondance with your collections dept since 21 May 2011 asking for the opportunity to make reduced payments on my credit card account. I am experiencing financial difficulties meeting my financial obligations. I have spoken to CCCS to gather advice and guidance. I wrote to you enclosing a thorough statement of affairs on 21 May 2011. I made a fair pro-rata offer of payment following CCCS advice. I was disappointed to receive a stock letter by return, although you froze interest and charges, you insisted on copies of bank statements and wage slips. As I understand it only a court can request this information, so I politely declined to provide this information. My other creditors have acted well and have accepted my offers of reduced payment without this information. However my offers have been consistently ignored by Santander. I have made a token payment of £5pm to the account throughout this time as it is my intention to honour my debts. However in late November my payment was returned to the bank, and I was later informed by letter that the account had been passed to a debt recovery company.

 

I have twice had to use your complaints system once to ask you to refrain from calling me at work and at all times of the day when I had asked for all correspondence to be in writing. To which you responded and promised to only correspond in writing. In late November I received a number of calls from your call centre even though I was assured my number had been removed from your system. I wrote back to Linda Dellow in your collections team to complain, the letter was passed to your complaints dept. However they wrote back not having read my letter clearly. I wrote back to explain myself more clearly and by this time your collections team had passed my details to a debt recovery company.

 

I write this in the hope you will act fairly and in accordance with the charters you subscribe to, if this still does not happen. I will be obliged to make a complaint to the OFT, and the Financial Ombudsman.

 

 

 

 

 

how this look going to email santy CEO.

 

Have you read the BCOB articles in CAG magazine ?

 

http://www.consumeractiongroup.co.uk/forum/content.php?826-How-Can-BCOB-Protect-You-From-Your-Bank-s-Unfair-Treatmen

 

http://www.consumeractiongroup.co.uk/forum/content.php?824-Does-your-bank-play-fair

 

http://www.consumeractiongroup.co.uk/forum/content.php?825-BCOB-the-hidden-rules

 

http://www.consumeractiongroup.co.uk/forum/content.php?829-Charges-successfuly-reclaimed-from-RBS-last-year

 

http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

[tioaboa]

Thanks CB wasn't aware of that at all will do some reading.

 

Cheers