Rudolph's Dick wrote:
myp it wrote:
DavPaz wrote:
SVR? Ouch. 5 year fixed for the Paz household.
You do realise it's ridiculously low, right? We're paying £150 PCM less than when we took out our tracker.
Not if your mortgage was with Alliance and Leicester it's not. SVR never fell below 4.99%. When Santander took them over, I was happy as they had SVR of 4.24%. However, they then said that nothing would happen until the legal merger took effect. Then it did, and they announced that the SVR differential for A&L mortgages would remain. They won't even entertain me moving within Santander due to my self employed status. Cunts.
Hel moved her current account to Santander because she has savings and a mortgage, which means she gets £300 for doing so.
After 3 or 4 weeks since (I thought current account switching
had to be done within 11 days?) without telling her anything except what DDs and standing orders she had (3 times!) that would be moved, she suddenly got a letter saying "Hey, this DD has been returned unpaid!"
It was her mortgage payment.
If you were reading above, you'll note who her mortgage is with. Mongs.
We also took a 123 credit card because of the cashback on Shell and Sainsburys petrol, amongst other things. £24 a year charge for the card but hey, we'll easily make that back in petrol alone! There are no asterisks or anything so what can go wrong eh? Let's check the website for the full list of brands just to be safe... oh, it's broken, never mind eh?
Yeah, none of the Shells or Sainsburys near us are participating, we found out when the website eventually went back live, two weeks after the cards arrived. We were mis-sold that card on their misleading advertising.
These two "minor" issues resulted in Hel spending 4 hours being bounced around Santander departments, no-one being able to do anything but bounce her on. Literally 20 people bounced her on after saying "I can't do that, you need to speak to other-department."
Eventually she cracked and demanded to be put through to complaints. Two minutes of silence later she was disconnected.
So she rang back to continue hassling. After another 20 minutes of being uselessly bounced, she again demanded to be put through to complaints, and they'd better not cut her off like last time, or else. She did get put through to someone.
Someone else in the same department, who also couldn't take complaints. Or help at all.
She went into a branch on Tuesday to get it sorted, and credit due, they closed the credit card and took the £24 charge on the branch, because the person couldn't get anyone to authorise it on the back end. And she did eventually get the mortgage paid on a debit card from her outgoing bank.
Needless to say, when the 13 weeks are up and she gets the £300, she's off again. And when her ISA rate expires, that's being moved. And when her mortgage rate expires, that's being moved as well. Oh, and her regular saver account too.
Even though the woman from the branch had a huge bouquet of flowers delivered to our house yesterday as a further apology.
FUCK Santander. Right through the fucking
face. It is totally unacceptable to her to be treated like that, and it was horrible to have to helplessly watch my fiancee be so upset and angry.