Hi, I am new to Santander UK and was playing around with their mobile app. Can you apply for an overdraft through it or do you need to go to their website? Don't have funds atm so maybe the option is there but currently disabled for me.
in order to receive the advertised price of a car, the dealer said we had to finance through their bank of choice: santander. horrible business practices but we did it. i told the salesperson we needed our registration soon and they said no problem. after weeks i called the sales manager back and he behaved inappropriately, to put it mildly and said we were sol. only the accounts receivable assisted us to find the purchase and get the registration processed - 2 days later.
for the santander loan, we were able to pay off quick and even had a return coming back to us for overpayment, we received a small check (5 months after pay-off) but it didnt seem correct to me. the other issue was the release of our title. they held the title for 9 months. and said that it was released but the DMV records still showed a lien. it was an endless loop and trap of incompetence.
it was only after i filed a complaint with BBB that actual progress started. santander response was that they issued two refunds, only then did we realize they owed us more money! and after immense pressure they finally sent our title but to a wrong address and thankfully that company forwarded it to us.
after i told the CSR about the BBB complaint today, it was explained i would receive a check in 7-10 days.
i believe santander reps are told to keep status vague in hopes customers do not discover their true accounting. i also believe that for market valuation they hold titles in order to inflate their books.
how are they able to operate with such malicious practices?