Abbey/Santander Rant Thread - HotUKDeals
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Abbey/Santander Rant Thread

£0.00 @ Santander
Just a thread to express your anger towards/about Abbey or Santander. I'll start. Couple of months ago my account was hacked and the money was spent at this Chinavasion e-retailer, somewhere i… Read More
Meadsy4742 Avatar
7y, 9m agoPosted 7 years, 9 months ago
Just a thread to express your anger towards/about Abbey or Santander.

I'll start.

Couple of months ago my account was hacked and the money was spent at this Chinavasion e-retailer, somewhere in the excess of £400. I phoned the fraud squad and they re-imbursed my account and everything was hunky dorey, got a new card through etc.

A couple of weeks later, Chinavasion refunded my account with the missing money so Abbey, without prior notification took £400 from what I now owed them, except I wasn't expecting these transactions and every since I've been £238 overdrawn, so now all my bills have been getting delayed and I'm getting charged because they are direct debits.

Last tuesday I get a cheque through the post that will sort my financial problems, go to my local branch the same day to cash the cheque in, the woman said to me that it will be cleared on Monday 10 August 2009. Check my bank that morning, nothing, but on the same day I get a letter through the post saying my whole account and card have been restricted, I phone them up and tell them about the cheque and they said that it should be cashed tomorrow (Tuesday 11 August 2009) and to ring back to get the restriction lifted.

Tuesday morning comes round, STILL nothing, so I phone general enquiries up and this time I am told that it should be clear on Wednesday 12 August 2009, this time I make sure to ask how definite this is, ''100% definite Sir''. I then tell her how much the cheque is worth and she changes her tune and says it might have gone through 'Extended Clearance' and should be clear on Monday 17 August 2009.

Its still not cleared today so looks like I'm waiting for money that is rightfully mine. So thats two things.

1. Clearance of cheques over the value of £1000 is just disgraceful in this day and age, even if cheques are stone-age.

2. My whole account was restricted because of them, I phoned them when I noticed the money missing and was told that the money hadn't yet left my account and that they couldn't stop it as the system is automated!! - Then why do banks like Halifax ring the account holder the minute large and unusual amounts are taken from their account, if it is fraud, the money is stopped from leaving straight away.

Would love to hear everyone elses gripes, I know I'm not the only one.
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7y, 9m agoPosted 7 years, 9 months ago
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#1
I'm confused - money was refunded into your account by the chinavision place, and the bank then withdrew the money it had re-imbursed you - so you should have the same amount of money in the bank as you had to start with? Why is it then the bank's fault that you're overdrawn???
#2
So you spent the money twice? I'm not sure I follow?
#3
civms47
I'm confused - money was refunded into your account by the chinavision place, and the bank then withdrew the money it had re-imbursed you - so you should have the same amount of money in the bank as you had to start with? Why is it then the bank's fault that you're overdrawn???


They are supposed to give you notice when taking money, they told me I had been sent letters telling me. When the money was taken it looking like Chinavasion had taken the money back again, at which I point I thought it was money laundering so I phoned the fraud team back and the reply I got was...

''We sent you letters informing you that we would be debiting your account with the below amounts''

But I didn't get any notification and they blamed the letters not being sent out because of the system. (99% of letters sent out from Abbey are apparantly automated)
#4
I second your thoughts about cheque clearance. I perceive this to be a problem across all banks.

Im not sure I can concur that the account restriction issue is of their making though. Your story makes it sound like you spent money which wasn't yours to spend - i.e. at one point you were 400 quid up.

FWIW, when Barclaycard re-credited me a fraudulent transaction they made it abundantly clear that if the original money turned up it was theirs to take as they pleased.
#5
Meadsy4742
I didn't get any notification


Yeah, granted thats an issue to complain on.

But it didnt give you the right to spend what isnt yours.
banned#6
so by fraud, £400 was lifted from your account and then refunded by Abbey. The e-retailer then refunded you £400 also and you were still overdrawn?

seems to me that its your own fault that you were overdrawn as you spent it twice!
#7
Meadsy4742
They are supposed to give you notice when taking money, they told me I had been sent letters telling me. When the money was taken it looking like Chinavasion had taken the money back again, at which I point I thought it was money laundering so I phoned the fraud team back and the reply I got was...

''We sent you letters informing you that we would be debiting your account with the below amounts''

But I didn't get any notification and they blamed the letters not being sent out because of the system. (99% of letters sent out from Abbey are apparantly automated)


So you spent the money twice?:?
#8
Adam2050
So you spent the money twice? I'm not sure I follow?


I'm not saying they were wrong to take the money they re-imbursed me back but they could of at least contacted me to see how my financial status was, if it had just been £50 or something I wouldn't of been too bothered, but the fact it was £400 and I only had less than half of that amount, they took the money, without notifying me.

Plus, my account dosen't have an overdraft, yet its gone £238 overdrawn :x


Just seems like they are milking me dry - soon as this cheque has cleared I'm moving the Halifax, just need £100 to get the ball rolling in the new account.
#9
I've been with Natwest since I got a solo card at about 15 and i've never had any problems, i've recently paid in 2 large sums of money by cheque and they both cleared within a few days.
#10
RealDealSeeker
Yeah, granted thats an issue to complain on.

But it didnt give you the right to spend what isnt yours.


dimebars
so by fraud, £400 was lifted from your account and then refunded by Abbey. The e-retailer then refunded you £400 also and you were still overdrawn?

seems to me that its your own fault that you were overdrawn as you spent it twice!


What I'm trying to get through is that its normal for the fraud squad to re-imburse me, it was my money that was taken, I wasn't expecting it to be re-imbursed back to me a few weeks later so I can't go on not spending the money.

It's kinda like having your car stolen, your obviously going to contact the police and insurance company to get a new car, you wouldn't expect your car to be driven back to you a few weeks later.

@Dime: ''so by fraud, £400 was lifted from your account and then refunded by Abbey. The e-retailer then refunded you £400 also and you were still overdrawn'' - No, I was overdrawn when Abbey took the money back a few days after the e-retailer refunded me.
#11
rwm24
I've been with Natwest since I got a solo card at about 15 and i've never had any problems, i've recently paid in 2 large sums of money by cheque and they both cleared within a few days.


Kind of the same here, its just been this past year.

When I was in the army I had no problem whatsoever, come out and still no problems till about June 08 which is when all the small problems started.
banned#12
Meadsy4742
I'm not saying they were wrong to take the money they re-imbursed me back but they could of at least contacted me to see how my financial status was, if it had just been £50 or something I wouldn't of been too bothered, but the fact it was £400 and I only had less than half of that amount, they took the money, without notifying me.

Plus, my account dosen't have an overdraft, yet its gone £238 overdrawn :x


Just seems like they are milking me dry - soon as this cheque has cleared I'm moving the Halifax, just need £100 to get the ball rolling in the new account.


hi there its Abbey here - you owe us £400 but we are just phonig to see what your financial status is before you pay us back what you legitimately owe us

hello - this is the real world calling....................
#13
Can't see any problem with what they've done tbh. If Abbey sorted out the original problem by re-imbursing you, and then a few weeks later find that the original company gives you the £400 back too it'd be obvious that Abbey would want their £400 back. I wouldn't treat it as a 'free' £400, that you're free to spend, as it wasn't yours in the first place.

As for cheques, again I can't see anything wrong with this as a security measure. Cheques are an old-fashioned sort of payment, but they can still bounce. What if they'd have clearedit quicker, only for you to spend the money and then find that it bounces??
banned#14
Meadsy4742
What I'm trying to get through is that its normal for the fraud squad to re-imburse me, it was my money that was taken, I wasn't expecting it to be re-imbursed back to me a few weeks later so I can't go on not spending the money.

It's kinda like having your car stolen, your obviously going to contact the police and insurance company to get a new car, you wouldn't expect your car to be driven back to you a few weeks later.


hence the reason you should check your balance regularly

if you had checked you would have seen the other £400 go in and wouldnt have spent it

this problem is of your own making unfortunately and the rant is unwarranted
#15
I like Abbey, although they wouldn't give me a mortgage when Nationwide will and i have about 9 products with Abbey!!
#16
Meadsy4742
What I'm trying to get through is that its normal for the fraud squad to re-imburse me, it was my money that was taken, I wasn't expecting it to be re-imbursed back to me a few weeks later so I can't go on not spending the money.

It's kinda like having your car stolen, your obviously going to contact the police and insurance company to get a new car, you wouldn't expect your car to be driven back to you a few weeks later.


Ok so if you started with £400, and £400 removed fradulently, you have £0. The fraud squad re-imburse you, so you're back to £400. You spend the money, back down to £0. The retailer re-imburses you, back to £400. The bank then withdraws their original re-imbursement, so you finish with £0.

Using the above, you started with £400, spent £400 and ended up with £0. Sounds like you spent more money than you had, so it's not really the bank's fault that you're overdrawn....
#17
dimebars
hence the reason you should check your balance regularly

if you had checked you would have seen the other £400 go in and wouldnt have spent it

this problem is of your own making unfortunately and the rant is unwarranted


The problem isn't of my own making, I didn't hack my account. If that hadn't of happened none of this would of happened. The fact they couldn't/wouldn't stop the money in the first place is just disgraceful.

I take it you have never experienced your account being hacked? If so, was you this cool about it? Doubt it!
#18
midlandscomics
Can't see any problem with what they've done tbh. If Abbey sorted out the original problem by re-imbursing you, and then a few weeks later find that the original company gives you the £400 back too it'd be obvious that Abbey would want their £400 back. I wouldn't treat it as a 'free' £400, that you're free to spend, as it wasn't yours in the first place.

As for cheques, again I can't see anything wrong with this as a security measure. Cheques are an old-fashioned sort of payment, but they can still bounce. What if they'd have clearedit quicker, only for you to spend the money and then find that it bounces??


Unfortunately there was nothing wrong, with what they did, my girlfriend did the same thing with her funds, they don't care because its not there concern what your situation.

You spent the money twice end of, not the answer you were after or support but its the truth, even worse now with money due to economic climate.

Best bet would of been to enquire about a credit card, i'm guessing your not able to get one on your current account status.
banned#19
Meadsy4742
The problem isn't of my own making, I didn't hack my account. If that hadn't of happened none of this would of happened. The fact they couldn't/wouldn't stop the money in the first place is just disgraceful.

I take it you have never experienced your account being hacked? If so, was you this cool about it? Doubt it!


the problem of you being overdrawn and now charged is of your own making

the original fraud was not

why should they have stopped the money? to them its just another transaction, and the system is fully automated so once it reaches a certain stage they are unable to prevent the next step happening

and you should never assume - i have had my account hacked. I however managed not to get myself into financial difficulty off the back of it.
#20
civms47
Ok so if you started with £400, and £400 removed fradulently, you have £0. The fraud squad re-imburse you, so you're back to £400. You spend the money, back down to £0. The retailer re-imburses you, back to £400. The bank then withdraws their original re-imbursement, so you finish with £0.

Using the above, you started with £400, spent £400 and ended up with £0. Sounds like you spent more money than you had, so it's not really the bank's fault that you're overdrawn....


Nooooo, kinda like this....

£500 to start with
£400 taken by fraudulent activity
£100 remaining (bearing in mind bills were going so by the time I received a re-imbursement from Abbey it was around...)
£440 (then a quite a while passed, obviously with still outgoing bills, then I randomly get a re-imbursement from Chinavasion)
£600-650 (then a few more weeks passed and then boom)
[COLOR="Red"]-£239[/COLOR]

I wasn't spending the money on stupid things, it was all for important causes
#21
Meadsy4742
The problem isn't of my own making, I didn't hack my account. If that hadn't of happened none of this would of happened. The fact they couldn't/wouldn't stop the money in the first place is just disgraceful.

I take it you have never experienced your account being hacked? If so, was you this cool about it? Doubt it!


You weren't hacked as they refunded you. They sound legitimate?
#22
Meadsy4742
Nooooo, kinda like this....

£500 to start with
£400 taken by fraudulent activity
£100 remaining (bearing in mind bills were going so by the time I received a re-imbursement from Abbey it was around...)
£440 (then a quite a while passed, obviously with still outgoing bills, then I randomly get a re-imbursement from Chinavasion)
£600-650 (then a few more weeks passed and then boom)
[COLOR="Red"]-£239[/COLOR]

I wasn't spending the money on stupid things, it was all for important causes


So according to that £800 quid was taken out?
#23
dimebars
the problem of you being overdrawn and now charged is of your own making

the original fraud was not

why should they have stopped the money? to them its just another transaction, and the system is fully automated so once it reaches a certain stage they are unable to prevent the next step happening

and you should never assume - i have had my account hacked. I however managed not to get myself into financial difficulty off the back of it.


Why shouldn't they have stopped the money? It was an unusual transaction to be made, Halifax are quite good at calling their customers to enquire about an unusual transaction, so what is stopping Abbey?

Was you hacked in a recession a couple of months after being made redundant?
#24
Adam2050
So according to that £800 quid was taken out?


£400 in the first place by the fraud

then £400 taken back by Abbey after the e-retailer refunded me when everything was back to normal
#25
I have an HSBC Premier account, you can draw on a cheque immediately.
#26
I know it sounds and looks like I am in the wrong, but if Abbey refund my account, what is the point in doing that if I can't use the money incase I get refunded by the original hack? Surely that can't be, just sounds like a scam on Abbeys half.
#27
Meadsy4742
Nooooo, kinda like this....

£500 to start with
£400 taken by fraudulent activity
£100 remaining (bearing in mind bills were going so by the time I received a re-imbursement from Abbey it was around...)
£440 (then a quite a while passed, obviously with still outgoing bills, then I randomly get a re-imbursement from Chinavasion)
£600-650 (then a few more weeks passed and then boom)
[COLOR="Red"]-£239[/COLOR]

I wasn't spending the money on stupid things, it was all for important causes


So according to the above you spent £739 when you only started with £500? If you spent £239 more than you had, it's your own fault I'm afraid (not trying to wind you up, just the truth).....
#28
chester123
I have an HSBC Premier account, you can draw on a cheque immediately.


Premier?

Do pay to have that account or something? Never heard of these.

I did originally think of going to Cash Generator to get it cashed but they would of taken quite a chunk of it so I decided against it.
banned 1 Like #29
Meadsy4742
Why shouldn't they have stopped the money? It was an unusual transaction to be made, Halifax are quite good at calling their customers to enquire about an unusual transaction, so what is stopping Abbey?


different bank, different policies - not that hard to grasp really

Meadsy4742
Was you hacked in a recession a couple of months after being made redundant?


sorry did i not fulfill your qualifying criteria?

think yourself lucky they only took £400 not £3k
#30
Meadsy4742
I know it sounds and looks like I am in the wrong, but if Abbey refund my account, what is the point in doing that if I can't use the money incase I get refunded by the original hack? Surely that can't be, just sounds like a scam on Abbeys half.


No-one is saying you can't use the money, but it sounds like you've spent more than you legitimately had to spend. If you hadn't, you wouldn't have ended up in the red....
banned#31
Meadsy4742
I know it sounds and looks like I am in the wrong, but if Abbey refund my account, what is the point in doing that if I can't use the money incase I get refunded by the original hack? Surely that can't be, just sounds like a scam on Abbeys half.


you could use the money! and you did!

you just chose to use most of the second £400 too!
#32
civms47
So according to the above you spent £739 when you only started with £500? If you spent £239 more than you had, it's your own fault I'm afraid (not trying to wind you up, just the truth).....


Where do you get £739 from? :thinking:
#33
Meadsy4742
Nooooo, kinda like this....

£500 to start with
£400 taken by fraudulent activity
£100 remaining (bearing in mind bills were going so by the time I received a re-imbursement from Abbey it was around...)
£440 (then a quite a while passed, obviously with still outgoing bills, then I randomly get a re-imbursement from Chinavasion)
£600-650 (then a few more weeks passed and then boom)
[COLOR="Red"]-£239[/COLOR]

I wasn't spending the money on stupid things, it was all for important causes


Balance----In---------Out-----Reason
£500
£100--------------------£400----Fraud
£40----------------------£60-----Bills
£440---------£400---------------Abbey re-imbursement
£840---------£400---------------Chinainvasion re-imbursement
£440 -------------------£400----Abbey take £400 back

Not quite sure how that ended up at £239 o/d unless you spent more than you should have (regardless of the dodgy transactions which equated £800 in and £800 out of your account) :?
#34
I think secretly you were hoping that Abbey did'nt see that the company had refunded you and you wanted the additional £400 for yourself....

Well you cant have whats not yours..
#35
Meadsy4742
Where do you get £739 from? :thinking:


You started out with £500, and ended up £239 in your overdraft after everything had been taken/re-imbursed etc. £500 + £239 = £739...
#36
Meadsy4742
Nooooo, kinda like this....

£500 to start with
£400 taken by fraudulent activity
£100 remaining (bearing in mind bills were going so by the time I received a re-imbursement from Abbey it was around...)
£440 (then a quite a while passed, obviously with still outgoing bills, then I randomly get a re-imbursement from Chinavasion)
£600-650 (then a few more weeks passed and then boom)
[COLOR="Red"]-£239[/COLOR]

I wasn't spending the money on stupid things, it was all for important causes


I wasnt going to get on the back of this band wagon but for the above post...

If the refund from Chinavasion then the withdrawal from Abbey happened within say 72 hours... and at that time you hadnt checked your account for whatever reason, then its still not Abbeys fault, but you might have a more legitimate reason for being angry.

But in the scenario above, you were £400 up for a few weeks

Surely you thought to check your statements, or wondered where the extra money came from?

Or maybe you thought Abbey wouldnt notice and decided to spend it in the hope that they wouldnt - in which case its entirely engineered by yourself.

I'm sorry your frustrated, but you know how much income you generate per month and how much you can afford to spend. If you dont, then I sincerely hope you dont go with the suggestion above about getting a credit card, as it wont be long before you start a bankruptcy thread.

Sorry, but theres no blame to lay at the Abbeys feet for this one.
#37
Meadsy4742
The problem isn't of my own making, I didn't hack my account.


And anyway, what sort of hacker successfully takes the money and then refunds it?

http://www.theregister.co.uk/Design/graphics/icons/comment/fail_48.png
#38
civms47
No-one is saying you can't use the money, but it sounds like you've spent more than you legitimately had to spend. If you hadn't, you wouldn't have ended up in the red....


I didn't take myself into the red, if I even tried to make a transaction that would take me even into -1p it would be denied.
#39
RealDealSeeker
And anyway, what sort of hacker successfully takes the money and then refunds it?

http://www.theregister.co.uk/Design/graphics/icons/comment/fail_48.png


You tell me that. To me it sounds like the hacker had the cheek to buy something from this shop, didn't like it and sent it back!
banned#40
Meadsy4742
I didn't take myself into the red, if I even tried to make a transaction that would take me even into -1p it would be denied.


banks have an obligation to pay your DD's and the like regardless of balance hence the reason you went OD

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