Santander

Santander provided false information to credit agencies and refuse to retract it.

During an almost 20 year mortgage i missed one (1) outstanding payment, then covid hits and I’m stuck abroad for a couple of years. Instead of contacting me via phone, email or their app so I could fix it they sent a couple of letters to an address I had no access to. Then they proceed to report 27 missed payments to the credit agencies.

Easier to send a report a customer to the credit agencies than call or send them a simple email to fix the issue? Apparently so.

Completely destroyed my credit rating of course.

When I finally found out I tried to contact the bank a few times via writing (no response) as there was no electronic contact. After many hours oh hold via repeated phone calls I finally got through to an extremely patronising human. After explaining the situation I was treated to a barrage of condescending excuses and lies; they flatly refused to either apologise or correct their mistake.

This is how they treat a 20 year customer who has literally paid them hundreds of thousands of pounds in interest.

I personally will never deal with them again and I recommend anyone considering taking a loan from this company to seriously reconsider!

We have had a joint account with Santander 13 years, it’s our main bank account, never been overdrawn and always several thousand in credit, now retired we needed a debit card to facilitate cash withdrawl, went on the Santander on line banking site, no mention of debit card or how to get one, rang Santander, they told me I can’t request one on line or over the phone, the conversation was that I needed to download the Santander App or visit a branch, I don’t do banking on the phone, I know many do but I don’t trust it, I enphasised that I can apply for a mortgage on line, I can take out Credit cards, open accounts make payments of thousands of pounds, yet I cant get a debit card for use on my own account, Santander told me I had to go to a branch, Santander continually close branches, making them further and further away for many, their actions are detrimental and discrimitary to the elderely, the disabled and those who are of limited resources and cannot drive, for us to visit a Santander Branch is a mornings outing if driving, best part of a day by public transport, for us both to go by public transport would cost around £30. I have now recied a letter of Deadlock following my complaint, stating Santander have done nothing wrong, is Santander stupid or just plain heartless and uncaring.

Had a good mortgage with them and a very competitive rate fixed ISA.

Efficient and reliable

Average service

Good

Excellent

no thoughts

Rubbish and overcharges