I recently applied for a mastercard from Capital One. Not only did I not get the deal I applied for - the 0% introductory offer is of similar duration but the interest charged after that expires is higher BUT the direct debit for the minimum payment was not applied.
I went ahead anyways as Tarting works out cheaper than living on my Natwest overdraft (yes I could change accounts but my income has been irratic so it's easier to stay with them).
Once the account was finally set up (there was a v long delay from application to actually getting it started) I asked for a bank transfer within my allowed limit and also for a minimum payment direct debit to be set up for payments from my current account to them. I was suprised that it hadn't been put on automatically as whenever I get new cards I always choose that option on my application form..... Anyways I digress - during this call I discovered that the payment would reach the account too late for the first bill so I made a payment via telephone banking that would reach them in time. This week I received a text message asking me to call them due to an upaid bill.... then I received a call and experienced a lengthy & frustrating conversation with one of their operatives, I imagine from an Indian call-centre, she kept repeating herself over & over again stating that I had missed a payment, my transfer request was too high, that the payment had been refused & as such my account was frozen & something along the lines of reversal! I responded that this did not make sense as I had set up a direct debit for the minimum amount AND had made in interim payment ALSO that I had more than sufficient funds in my bank account for it to clear, lastly that even had I not I had sufficient funds at any one time I did also have a 4,000 overdraft limit with my bank so there was NO WAY it could have been refused. Eventually I ended the call as I had been put on hold for ages after asking to speak to a Manager.:eek:
If it's not resolved satisfactorily I will just close the account. I wish organisations would consider the REAL cost of outsourcing work abroad: ie frustration when matters do not follow the script that these foreign operatives have - they simply do not have the language skills to cope with an y variations to the script & it's frankly out of order to expect us customers to have spend ages trying to resolve matters over the phone with them.:mad: Or is this just a ruse to get money out of people like myself who v rarely incurr charges - ie if it's alot of hassle getting matters resolved maybe we will just pay charges 2 save aggro?!! Hey no - not me for one ....
Any ideas?
I went ahead anyways as Tarting works out cheaper than living on my Natwest overdraft (yes I could change accounts but my income has been irratic so it's easier to stay with them).
Once the account was finally set up (there was a v long delay from application to actually getting it started) I asked for a bank transfer within my allowed limit and also for a minimum payment direct debit to be set up for payments from my current account to them. I was suprised that it hadn't been put on automatically as whenever I get new cards I always choose that option on my application form..... Anyways I digress - during this call I discovered that the payment would reach the account too late for the first bill so I made a payment via telephone banking that would reach them in time. This week I received a text message asking me to call them due to an upaid bill.... then I received a call and experienced a lengthy & frustrating conversation with one of their operatives, I imagine from an Indian call-centre, she kept repeating herself over & over again stating that I had missed a payment, my transfer request was too high, that the payment had been refused & as such my account was frozen & something along the lines of reversal! I responded that this did not make sense as I had set up a direct debit for the minimum amount AND had made in interim payment ALSO that I had more than sufficient funds in my bank account for it to clear, lastly that even had I not I had sufficient funds at any one time I did also have a 4,000 overdraft limit with my bank so there was NO WAY it could have been refused. Eventually I ended the call as I had been put on hold for ages after asking to speak to a Manager.:eek:
If it's not resolved satisfactorily I will just close the account. I wish organisations would consider the REAL cost of outsourcing work abroad: ie frustration when matters do not follow the script that these foreign operatives have - they simply do not have the language skills to cope with an y variations to the script & it's frankly out of order to expect us customers to have spend ages trying to resolve matters over the phone with them.:mad: Or is this just a ruse to get money out of people like myself who v rarely incurr charges - ie if it's alot of hassle getting matters resolved maybe we will just pay charges 2 save aggro?!! Hey no - not me for one ....
Any ideas?
