I have literally said multiple times that some people will have bad experience with Santander. That’s is hardly dismissing anything.
I have looked and they are in the middle of the independent quality survey (in the top half in fact). In the other questions, they are towards the top. Yes, less good in the which ones but the scores are all quite similar anyway so people clearly aren’t having too much of a different experience between banks. The scores also aren’t bad. Most people would recommend them so I wouldn’t say that means the customer service is poor overall. Some people will have poor experience, but not everyone.
I would happily point out Santander’s flaws. Royal Bank have a better app. The credit card offering of Santander is pretty poor for my needs. Practically any other bank has a better looking online banking system. But overall, I have had a good experience. Other people saying they haven’t isn’t going to change my experiences with them.
Well, this is kind of my point. You’ve responded to a few people who’ve been unhappy with Santander, to state that you personally have not had any issues. Which does feel dismissive to me. Your good experiences aren’t going to change the bad experiences that other people have had.
I was just giving my opinion about Santander, which often happens in discussions. Someone says what they think, another person may say what they think. I acknowledged that everyone will have a different experience at each bank, which to me, is the opposite of being dismissive.
I really don’t want to get into an argument about what is dismissive and what isn’t. I wasn’t trying to be dismissive, you think I was. I think we should just leave it at that because otherwise we’ll just go around in circles
Ok? The discussion had already began by that point. I reasonably thought people were just giving their viewpoints on the bank as many users had already done so. Some were positive, some were negative. I can then give my own viewpoint which is standard in discussions.
Frankly, can’t quite believe some of you are annoyed that a discussion has happened on a discussion forum. If you hate discussions so much, just leave.
Ah I really don’t like two disagreements with you in one day
This is a forum, both negative and positive posts will be met with the opposite replies, and rightly so. I can probably think of a handful of negative comments received on the Chase thread where you’ve been positive about them, but broadly stressing that that doesn’t mean their opinion is invalid or that Chase can’t be bad.
I don’t think anything has been said that’s unreasonable. In fact more so than I even bothered to do, they have stressed on more than one post that everyone has different experiences of banks and that’s fine.
I barely ever interact with my bank and as a YNAB user the app means little to me, so almost all banks I’ve tried I have positive experiences only - or at least neutral experiences. I’d point that out on a thread just to show that not everyone has the same experiences. I generally don’t like blanket “this bank is crap” statements because it’s usually just crap to you.
Anarchist
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Looks like you are trying to be as unprofitable to them as you can.
Fair enough. I’ve done that with various companies and organisations in the past.
With that in mind, it might be worth looking through the terms and conditions.
I’m currently awaiting delivery of one of these cards, and I’m sure I saw that if you overpay they would return the overpayment to the source. So if you overpay (preferably by cheque) by a small amount then they would refund you the overpayment.
If you are able to overpay by cheque, cutting off the magnetic numbers at the bottom used to mean that the cheque would need to be processed manually (I’m not sure if that still works, though).
Thank you. Yes, pretty much, although paying by debit card does also fulfill 1½ of the 6 Halifax Reward requirements my wife and I do each month (for 6 fivers). All I’ve changed with regards to the Edge credit card as a result of the dispute is that I make sure I don’t go a penny over £750 (where previously I’d get to over £750 each month then stop) and also the timing of the debit card payment.
123 Lite will be pulled at some point (and neither Edge account would earn enough for it to be worthwhile) and the Edge CC is only useful for a year - this is my glidepath out as things stand. Open to the possibility that the FOS referral will result in something changing tho.
It is a decent deal, but as things stand I get a flat 0.5% without a fee via Barclaycard Avios and Nectar. If I spent £1500/month (which is the ‘optimum’ amount via Santander Edge CC after Y1), it’d be just about worth it for the effective 0.8%. But I don’t, so it’d be less than that, and possibly some months less than the 0.5% I can get already.
£750/1.6% is outstanding tho, and most definitely costing them.
Widely expected to be another by the end of October - it annoys me that companies do this tho, should just track the base rate if that’s your intention; or shrink your notice period right down so you can just adjust in a timely fashion.
