Questions of Cash: 'Santander worries damaged my health'
Saturday 19 February 2011
Q. I am disabled and problems with my Santander card are damaging my mental health. I was notified that dormant accounts incur a £10 charge. I've not used my Debenham's store card for some time and decided to close the account. I wrote to Santander by recorded delivery and cut-up the card. I also logged-on to my account online and requested the card be deactivated. Three weeks later, I still haven't had confirmation that the account has been closed, nor have I had a response to my online message. FM, London.
A. It was good that you took seriously the lack of response to your account closure request – Santander has no trace of receiving this. The card account is now closed and Santander has sent you £50 to apologise for its failure to respond to your online message.
Q. In February last year I booked a flight on BA's website, for return travel between Aberdeen and London Gatwick, travelling with Flybe at a cost of £180.90. The flight was cancelled and passengers were asked to report to the Flybe desk at Aberdeen Airport to make alternative arrangements. For me a later flight would have been pointless. As my booking was made through BA, I approached its ground crew at the airport. I was advised to contact Flybe, though I considered BA to be responsible for the refund as the booking was via them. After two emails to Flybe, I was informed that BA was liable for refunding me. I wrote to BA and received an email on 20 March with a case number and a promise to get in contact "as quickly as we can". I heard no more, then in May I wrote and was told the refunds team would get back to me "as soon as possible". I emailed in August and again in January and still no reply. It is now almost a year. CL, by email.
A. According to BA, the card account you used to make the payment was credited with £180.90 on 5 June. You have not replied to our email asking you to check your account to see if the payment was received – so we assume it was. It is important to check, as companies do not always notify customers when the payments are made.
Q. I have never had a credit card. I am now about to travel on a career break and a card would be useful. I am concerned that applying for a card now, with no regular income, would affect my credit rating and damage my chance of getting a mortgage when I come back.AS, by email.
A. Successfully applying for a credit card would be positive for your credit reference report. Lucy Davies of Experian says: "There are some cards aimed at people with little or no credit history." She suggests you use Experian's CreditExpert service to find out which issuers are likely to approve your request without leaving a "footprint" on your credit report. Also consider setting-up a direct debit to ensure you do not miss any repayments.
Questions of Cash cannot give individual advice. But if you have a financial dilemma, we'll do our best to help. Please email us at: questionsofcash@ independent.co.uk.
Independent Partners; request a free guide on NISAs from Hargreaves Lansdown
- 2 Friends 20th anniversary: Alison Jackson photographs reunited cast
- 3 There is literally not a single woman in this iPhone 6 queue
- 4 Hitler’s former food taster reveals the horrors of the Wolf’s Lair
- 5 Scottish independence: Tory revolt against 'devo max' grows as Rail Minister Claire Perry joins
Daniele Watts: Django Unchained actress detained by Los Angeles police after being mistaken for a prostitute
Scottish independence referendum: A nation divided against itself
Scottish independence: David Cameron is becoming the 'George Bush of Britain'
Russia freezes Ukraine into submission: Kiev admits country doesn't have enough fuel for winter
Scottish independence: The Queen breaks silence on referendum debate – as think tank warns of £14bn black hole if Scotland votes Yes
Archbishop of Canterbury admits doubts about existence of God
iJobs Money & Business
£400 - £450 Per Day: Clearwater People Solutions Ltd: **URGENT CONTRACT ROLE**...
Up to £100k or £450p/d: Saxton Leigh: My client is a leading commodities tradi...
£320 - £330 per day: Ashdown Group: The Ashdown Group have been engaged by a l...
To £75,000 + Pension + Benefits + Bonus: Saxton Leigh: My client is looking f...
Day In a Page
A six-bedroom terraced house with large south-facing roof terrace, cinema room and wine cellar
A new seven-bedroom home built in Queen Anne-style with swimming pool and parkland views in Mortimer
A listed, four-bedroom farmhouse in the rural hamlet of Rushall with detached barn, four acres of gardens and paddocks
A first-floor flat with two bedrooms, a spacious reception room and communal grounds in a leafy part of London
A three-bedroom flat with a spacious rootop terrace and balcony, accessed from a private gated courtyard
A Grade II-listed pile with six bedrooms, stables and 39 acres of grounds in Standlake
A two-bedroom flat with boutique hotel-style interiors, close to the foodie haunt of West End Lane
A two-bedroom flat in a beautiful old vicarage, with many original features, close to the city centre
A three-bedroom 16th-century home with an aga kitchen, private gardens and heated outdoor pool, in Hadleigh
A three-bedrom home in sought-after Queen's Gate Mews, with Italian marble-finished bathrooms
Surrounded by glorious countryside in the village of Udimore, sits this impressive four-kiln oast and barn conversion
A five-bedroom house in the picturesque village of Kettlewell, north Yorkshire
An 18th-century former coaching inn with original staircase, open fireplaces and beams throughout
A Grade II-listed Georgian town house with three bedrooms and a south-facing courtyard, near Arundel Castle
Feel on top of the world at this über chic penthouse on the 37th floor of one of Europe’s tallest blocks.
A Grade II-listed Victorian villa with six bedrooms and two further cottages, all with spectacular sea views
A grade II-listed, Georgian cottage with mature 50ft garden, perfect for summer entertaining
A magnificent Georgian pile with turrets, seven bedrooms, a heated pool and four acres of gardens
Fairoak Farm has five bedroom suites, gym, outdoor swimming pool and golf course
Chic two-bedroom river-fronted flat with a private lift that delivers you directly to your home
A spectacular seven-bedroom Tudor pile, once owned by Henry VIII, with 18 acres of land
A seven-bedroom Georgian property previously used as a picturesque wedding venue
A split-level flat in a church conversion with two en suite bedrooms and 1,200sq ft of living space
A three-bedroom bungalow situated behind an impressive stone wall, £645,000
Windsor Castle overlooks this three-bedroom Victorian cottage located on one of Windsor's smartest roads
Chapel House is a former vicarage with nine bedrooms in the beautiful Upper Wye Valley
A five-bedroom B&B and separate owner's accomodation with potential for conversion
Enjoy summer by the Thames in this two double-bedroom converted warehouse in Rotherhithe village
A one-bedroom, luxury apartment with private gym and concierge service in Moorgate
A four-bedroom house in Hermitage Gardens with three reception rooms and landscaped gardens
A seven-bedroom Grade II-listed property with a separate self-contained apartment
A five-bedroom Victorian house with three reception rooms and galleried landing, £695,000
A six-bedroom farmhouse with five acres of land in a former cloth-making village
A secluded seven-bedroom detached house with large private garden, £490,000
A three-bedroom cottage overlooking Sarratt village green with open fires and solid oak floors
A three-bedroom maisonette flat in a Grade I-listed, Georgian townhouse in a sought-after location
A one-bedroom apartment located within a private gated development, north of Turnham Green
Look forward to a brighter future at two-bedroom Sunny Cottages, ideal for Londoners looking to downsize