Santander piles on the stress over late shop card payment
Our consumer professional assists a reader hassled by Santander over a late payment on a store card 
I seek out your assist in dealing with troubles which have arisen with Santander Cards United kingdom which acts on behalf of a department store I shop at, and which has brought on me significant anxiety.
This problem began with my accepting a request by a shop staff member to take out a keep card. It started with £5 or so for minor goods.
I was then approached by Santander Cards United kingdom, acting for the store, to spend double this volume at a later on date because I had not paid the £5. This led to correspondence but I relented and paid.
I then had far more requests for payments ending with a bill for £25.21, even although no further products have been bought. In order to conserve further intrusions from Santander Cards I paid the cheque for £25.21. Santander Cards then explained it had not acquired the cheque and asked for a copy of my bank statement with an additional financial institution showing the payment of £25.21. I sent this but Santander then asked for my complete bank account variety, allegedly to trace the payment.
BP, Hants
You refused to offer this last details for protection reasons.
All this began when you produced a £5.94 purchase on a new shop card. The card balance was paid off soon after the due date, and so incurred a late payment and curiosity charge. This meant money was even now owed on the card which led to subsequent late payment and interest expenses. You did send the balance but it seemed to have disappeared into thin air.
By the time you wrote to me you’d had to deal with five letters from Santander Cards and response numerous phone calls. All this demonstrates how this kind of cards can include tiresomely to the load of every day chores. Also how some banks can use the proverbial hammer to crack a nut.
My involvement led to the money from the cheque being traced to one particular of Santander’s suspense accounts. It was now applied to your shop card account. Santander stated the cheque had been rejected due to an incorrect account number being supplied on the reverse.
It accepts this was a real oversight and is refunding the added charges for late payment and interest to carry your account stability down to nil. Santander has asked if you want to cancel the retailer card and I comprehend you are pondering about this.
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