Santander Mortgage Arrears

[Lilythepink]

Will see what I can do, it probably isn't an apology, but they did apologise over the phone several times, and the FOS, apologised on paper.

 

 

I just want to know whether I will be able to get a new deal with another bank for a mortgage, with having a bad credit rating, I want away from Santander.

[Lilythepink]

We fell into arrears, or should I say, we paid half of what our monthly payment was, and we have been overpaying ever since. I did complain to FOS, and they upheld my complaint, wiping out charges etc, but the mortgage went up nearly a £100 more a month. We only were in so called arrears for 6 months, whilst I was off ill with no pay, that was in 2012. They refuse now after two years of full payment each month, to give us a better deal. We have a proven track record of payment before that period, and are back on track. Can we move the mortgage to another company/deal?

They always say to keep them in touch, I phoned every 2 - 3 weeks when I was ill, but it still didn't help us, they just repeated the same old c**p every time.

[theoldrouge]

depends on the criteria of any new lender

 

much tougher nowadays

 

what does your credit files say

 

eg late payments ,defaults etc

[Lilythepink]

We own a £200,000 house, and owe £76,ooo on a remortgage. My credit rating has suffered, with having to pay much more each month for the mortgage, other bills have built up, credit card, bank overdraft. But we have proved that we can pay the mortgage with no defaults.

[theoldrouge]

sadly, in todays climate, I do not think under those circumstances,that you will be able

 

to find a cheaper deal with a prime lender

 

You you need 6 years of excellent credit to do so

 

even with such a low loan to value

 

As regards your existing mortgage, what does your original agreement

 

say as regards interest rates?

[Lilythepink]

I opened a Santander 123 Lite account on 6/8. They told me that I could switch from my Danske bank within 60 days. Decided to switch salary etc last week. I have so far spent a long time on the phone nearly every day, taken a day off work, and visited two branch offices.

On the phone they tell me there is a block on my account and I have to go to a branch. Went to branch only to be told there is nothing wrong with my account, and it is ok.

I went to a branch near my work and was astounded that hardly anyone knows about the switch service, told I have to phone to do it,they had great trouble finding a number for me to ring.

I have messaged them about half a dozen times and all they tell me to do is ring them, but you cannot get through, and I have just found the customer service and personal experiences absolutely terrible.

I have my mortgage with Santander and I intended to move to them, but I am seriously regretting my decision.

Anyone else have problems and what do I do, I cannot spend all day trying to get through on the phone or in the offices standing in a queue, only to be told to ring them. Dreading trying to ring them again...

[martin2006]

You may find that online chat gets a faster response

[fkofilee]

Time to launch a complaint I would believe as Standard Santander training on Current Accounts includes Switching Service etc.

I checked this with a friend of mine within Satan Banks branch division.

 

You have various choices here to complain.

 

- Telephone - 0800 171 2171

- Writing In To The Below Addy

Complaints, Santander UK plc, PO Box 1125, Bradford, BD1 9PG.

- Resolver With MSE

- Email Complaint To MD - [email protected]

[Lilythepink]

You may find that online chat gets a faster response

 

Tried the online chat, told me to ring them or go to a branch

[Lilythepink]

Time to launch a complaint I would believe as Standard Santander training on Current Accounts includes Switching Service etc.

I checked this with a friend of mine within Satan Banks branch division.

 

 

Just emailed my complaint, I couldn't face going through that phone call again,only told be told go to a branch. thanks will let you know the outcome.