Sorry for not posting, for the last few months but ill heath, Xmas and then writers block have all got in the way.
However something arrived in the post yesterday that makes me angry.
I have had an Evans account / card for at least 15years - I think, with varying amounts of money owing, at any given time.
Last month I didn't make the min payment (£4) and when my new statement arrived I now owe two months (oh and a late payment fee of £12). I didn't make the payment this month as I was having to juggle some finances to get back within my overdraft, so this will really help, thanks, but not a big problem.
I got a letter, a day or two later from Santander Cards to tell me I missed the payment. However the link on the letter to make payments didn't appear to work either, so I put it to the side, to make a payment in the normal manner later.
Yesterday when I got in from a lovely day out I looked at the post and there was another from Santander Cards! Apparently my card is coming up for expiration soon and because they have a "commitment to ensure they are lending responsibly" they won't be renewing my card, unless I correct the status of the card. So for missing £4, I now owe an extra £12 and am branded as being unable to use credit responsibly!!!!!
In case you don't know we're trying to sell the house and move to Stafford, at which point I will need to go an find some work, so will need to adjust my wardrobe to get some work clothes. Under normal situations I would probably get some using the card. I'm so annoyed I would prefer to pay off my card and close my account. So how many millions do I owe them, that has sent them into this panic that I will bring their company down, I hear you ask!!! Well including the late fee, I owe a grand total of £40.
While I'm all for banks and money lenders finally being responsible for their actions and checking things like this, I do feel that an automatic letter (like this one appears to be, having been sent out to everyone who happens to not be in credit that month) ought to have some sort of limit on it. Santander have only been looking after the cards for a short time and they've wiped out years of contentment with the service with one letter. A little common sense people, especially in the current climate, where things are tough on everyone.
