Santander misled me

[tyallm]

I owe santander just over £3000 on a credit card but

 

have recently lost my job so

 

I phoned them last friday and a woman said I could pay £5 by a certain date every month.

 

The call did seem a bit rushed and the payment amount and date did seem to plucked out of thin air

but I thought fair enough as I can afford that until I get a job so

 

I agreed and the initial £5 payment was processed from my santander current account.

 

I got a call tonight from a man at Santander stating the amount I owed and if I was willing to make a payment.

 

I explained what had happened a few days ago and he seemed confused

and apologised for me being misinformed as he put it.

 

He then explained everything she had said and I had agreed to was not the way they dealt with payment plans.

 

He said he will send me an income and expenditure form and then they will decide

if we can come to some sort of agreement.

 

He also stated he will have to contact someone else as the £5 has left my account but they haven't received it.

 

I'm a bit annoyed because I was happy with the original arrangement and thought it was now sorted.

 

Should I make a complaint as I'm worried they'll demand more and £5 is all I can really afford at the moment.

[dx100uk]

hi welcome to CAG

 

NEVER EVER discuss your debts on the phone!

one golden rule not to break.

 

you do have any paper trail of proof if this ever go nasty.

 

tell usa bout the card please

 

how old

got any PPI

got any PENALTY charges?

 

satans bank can be one of the worst at customer service but STAND YOUR Ground.

 

oh, and ONLY a JUDGE can demand to see your pers financial details.

 

its NONE of their business...

 

dx

[tyallm]

I haven't defaulted yet but that's where this is headed and

 

I've had the card for two and a half years with no PPI.

 

There are late fees and over limit fees.

 

The issue is if I default and do not comply with their demands they can raid my current account

which would be a disaster for me so I just want to prevent it from getting to that stage.

[dx100uk]

get your money out of there then

 

go open a parachute account

 

the co-op do one online

 

get your income paid int o there

you've already got markers so your file will be trashed anyhow.

 

dx

[tyallm]

Yeah that is probably what I'll have to do sadly but I'll see if an acceptable arrangement can be made with santander first. They've given me 40 days breathing space at the moment anyway until something is sorted.

[maroondevo52]

Hi tyallm,

 

Did you get this sorted ?

[tyallm]

Yes I just have a standing order setup and am paying what I can afford. At this rate though it's going to take years! They haven't taken money from my current account so seem happy as long as i'm making payments for now at least.