Newest Review: ... the laptop rang up to clarify the offer before performing the transaction, whichever it was. I was informed that it was interest free... more
Absolute Waste of Space
Member Name: happybunny22000
Disadvantages: too many to list
I have had nothing but problems with Abbey/Santander.
One of the things that really really really frustrates me, is their Indian Call Centre with staff who dont speak English well.
The major problem I had was a few years back with their Credit Card account. I was sold a credit card, and despite my initial private declaration to myself that I wouldnt use it, I quickly ran up a £1200 bill after purchasing a laptop. I cant recall the full details, but I had an offer on the card, I beleive it was either purchases or transfers and before purchasing the laptop rang up to clarify the offer before performing the transaction, whichever it was. I was informed that it was interest free for 12 months, I asked her to clarify several times, and I was merely informed that there would be a 2.5% charge. A month later I received a bill wanting to charge me administration fees as well as a large percentage of interest. I was then informed when I spoke to somebody, on a sturday that I had been misinformed and that I would be charged interest. To get to what I thought was the bottom of the matter it took two hours on the phone one a chargeable rate number. I was told that somewhere along the line, wither the wrong card had been set up, or there was an error on the system or the call agent made an error either way, it had caused me to be charged interest. I was told, by one of theur senior supervisors to take out a new card asap with someone else as I would be charged at this high rate! I then spent saturday evening trawling through as many sites as possible to get a new card that day. I was eventually accepted for 4, and immediately used one to transfer the balance at a charge of 3% but interest free. What I failed to know at that point that each search, and each acceptance was having an effect on my credit rating. Four months later I was still arguing with Abbey as initially she said she would re-imburse the charge for the initial transaction, the interest and the charge on the new card. Of course that conversation was ommitted from the record and so it took months to claim it back as I refused to pay Abbey their charges. Subsequently it all had a dentrimental effect for my credit rating.
I even had problems with their Indian call centre and problems with my current account due to staff constantly givin various 'stories' that bear no truth on reality and end up costing me more money.
I now have no accounts with Abbey and all I can say is, stay clear!
Summary: Avoid if Possible!