Big name, bad service (Northern Rock)

Member Name: mhatherall

Product:	Northern Rock
Date:	11/08/00 (865 review reads)
Rating:

Advantages: All seems good, with good APR

Disadvantages: When there is a problem you are just a small fish in a big sea

I don’t really know where to begin with this one. My Partner and me had recently taken out a mortgage and a credit card from this company. The Mortgage is fine and I have no complaints about it at the moment, but the Credit card is a different matter all together. Firstly when we sent the application agreement we also send the direct debt mandate, then a month later we received out first statement that just showed our minimal payment due, we put the statement away and checked to make sure the Money was in the bank for the take. Then a month later we received a letter from them asking us to contact them ASAP so we called them straight away, the outcome was that the direct debt was not set up by them on time, and that we were to pay overdue amount manually, there was a charge for it being late witch was taken off after we complained.
The next month came the next statement and the same problem as before.
The final thing I am going to write about is a cheque that we wrote about a month ago, we put into our bank account to pay some bills; about 3 days after the money had been put into our account. Today 33 days later we had a phone call from Northern rock telling us that our credit card was £500 over the limit, after research into this it has been found that they cleared the funds with out debiting the credit card until now, causing us to go over the limit. Is this a company ploy to get money from people who have problems such as ours?

Summary: