You cant pre-pay this credit card

By Jessica Gorst-Willams 514PM GMT twenty-two March 2010

�1,500 top-up immobilises card

We took out a Santander Zero label from Abbey and installed it with �1,500 credit by a coupon from the comment with the main bank.

This was for any additional monetary in France where we went for healing treatment.

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However, when we attempted to have use of it there the ATM wouldn"t accept it.

As a consequence, pick arrangements had to be finished at a amicable disadvantage. Returning, we gift up the label at the internal bend ATM but with no success.

Head bureau upheld us from one chairman to an additional and we had to recite the sum to each roughly as a mantra.

Finally, a pledge was finished that the full volume would be in my husband"s Abbey Savings comment in five operative days. None of it was.

This slight was steady dual some-more times. Then we were told it was a sequence that the income went at the behind of in to the comment from that the coupon was drawn.

MMSurrey

The extent on the label was �1,800. You attempted to enlarge it to �3,300 by putting some-more income on it.

The Santander Zero credit label does not have the trickery to concede business to have overpayments in sequence to enlarge their accessible credit limit.

You should not, therefore, have been available to supplement �1,500 to your credit label comment at an Abbey bend in the approach you were.

Because you had finished something that wasn"t allowed, a dwindle was lifted on the account, that prevented it being used.

After that, you had difficulty removing the income back. Although the bank had betrothed it was in the throes of profitable it, it unexpected backtracked with the sore forgive that there would be a serve check as the income indispensable to go at the behind of in to the comment it had come from. Only after I became endangered was the �1,500 at last returned to you, along with a organization to help the poor gesticulate of �130 to apologize for the nuisance caused to you by the delay.

Move to improved rate creates debt

More than a year ago I asked the Co-op Bank to open a new assets comment and to send in to it the income I had in an existent assets comment called Top Tier. This had a unequivocally low rate of interest. Then I longed for the Top Tier comment to be closed. The new account, with a improved rate of interest, I was told would be related to a Current Account Plus.

Four months later, I viewed a matter arrangement the shift of my tide comment had been eliminated out. It did not contend to where it had been transferred. Then I viewed a matter for a new tide comment with usually one entrance arrangement a singular overdrawn withdraw of �41.83.

I rught away telephoned the bank to point out that I was at a loss to assimilate because it had sealed the old tide comment and released me with a new one with the ensuing strong overdrawn debt as I had usually sealed my old assets comment not my tide account. It afterwards sent me a deputy withdraw label scored equally in to the new one. I afterwards viewed an additional matter arrangement dual some-more overdrawn items.

I am fed up with them for the highlight they have caused my mother and I and for not you do what they agreed.

I am intensely endangered that, after a year has right away passed, I have no thought either my assets are protected or not. At the age of 86 and my mother 94, we are so frustrated.

GRSomerset

The plan was to move your income from an comment where it was earning usually 0.12pc seductiveness to one agreeable 2.5pc. To get this not quite sparkling lapse endangered not usually transferring your assets account, but additionally shutting your tide comment and opening an additional one.

Hardly surprisingly, you had not appreciated all these ramifications when you set off on your query for higher interest. The bank, that I think did not assimilate them either, appears to have unsuccessful to have the procession transparent to you. It serve combined to your problems by unwell to move a approach withdraw from the old tide comment to the new one. Instead, when this came to be claimed, the bank paid it and right away levied charges of �13.44 and �28.98 for the privilege. Naturally you were mystified. All this was presumably sorted out and the approach withdraw assign sum practiced for the future. However, when negating the charges arrangement on the old account, the bank ignored others still in the pipeline. Some five months on, 21p seductiveness and a �20 use assign and �40 for each day additional charges showed up on your statement. You called the bank, that positive you the �60.21 would be credited back. You additionally queried why, rather than being a monthly matter as you were used to happening, it was for a three-month period.

The subsequent tide comment matter arrived 3 months after and, infuriatingly, there was no pointer of the refund.

Only my pulling the bank led to the �60.21 at last being credited at the behind of to your account. Statements are right away additionally being released monthly as you requested. In approval of the unsuitable turn of service, �100 has been paid for organization to help the poor and a garland of flowering plants sent.

You contend you are positively gay this is all over. At one point you were wondering if someone had siphoned off your money. I assimilate that you have right away changed it at the behind of to an additional less difficult comment where the rates are usually 0.5pc. Anyone seeking at this kind of lapse should bear in mind the improved deals elsewhere in the marketplace. See the majority suitable buy tables in this paper to find a small of them.

Premium Bonds how to discuss it it"s not fraudulent

Why doesn"t ERNIE arrangement the pull in the approach the National Lottery does so we can be certain it isn"t rigged?

BRLeeds

Premium Bonds positively miss the razzmatazz of the National Lottery. Indeed, members of the open used to be authorised to watch ERNIE (Electronic Random Number Indicator Equipment) beget pointless numbers. National Savings & Investments (NS&I), though, found visitors were unhappy that, particularly, the tip winning series could not be referred to at the hold of a symbol and so, in 2004, these trips ceased.

This should not, however, criticise the credit of the draw. Whether the prizes are interesting sufficient is a opposite issue.

The monthly reward down payment pull is essentially conducted in multiform phases. An accreditor from NS&I"s review and risk government team, who is eccentric of the Premium Bond team, along with directed towards members of the esteem pull team, comply the conflict of the initial stage. In all, ERNIE spends about 4 hours generating numbers. While this is going on, majority of the observers retire to offices circuitously creation certain ERNIE is physically secure and there is usually singular access. Then they reassemble to see the numbers put on to a disk, that is copied and sent to GAD, the Government Actuary"s Department. Here checks are finished to pledge the randomness of the output.

The numbers are suited up to authorised bonds, skipping those, for example, that have been cashed, until all the prizes have been allocated.

Red matter out of the blue

Quite simply, a matter arrived whilst I was in sanatorium a couple of months ago. I never owe income and could not think what it was for. Neither had I viewed anything since I sealed the comment in 1996. How would this have influenced any one less savvy?

I attempted to sort this out on the write as you can see from my records of the rather biased conversations. I do not wish recompense. I wish answers.

I will be out of movement in sanatorium on chemotherapy for five days plain so you will not be means to hit me this entrance week.

JHCarmarthenshire

This goes at the behind of to 1996 when you doubtful an word reward with the bank which, as you stop it now, afterwards told you not to compensate it. Confusion over a approach withdraw being eliminated to a new comment seems to be at the behind of all this.

Imagining it was sorted out, you forgot about it. Nearly fourteen years later, it came at the behind of to show up you at a time when you unequivocally indispensable assent and quiet.

When I quizzed the bank, it told me that, technically, the debt still stood. For it to sojourn enforceable the bank was compulsory to send the statements it had.

Generally, in these circumstances, Abbey, right away Santander, says it advises business that, nonetheless the superfluous shift will not be pursued by the representative or the bank, if a customer"s monetary incident changes and they transparent it in full, it will have the suitable amendments to their credit record.

As the debt here was usually �166.79, this seems a bit similar to utilizing a sledgehammer to crack a nut. Taking this on house and additionally the time that has elapsed, Santander has sealed the comment and wiped out the shift itself.

While I was operative on this, you reported that someone from the bank called gift a hamper, that you did not feel up to at the time. You stop that �100 for organization to help the poor was afterwards referred to instead and that you told the tourist you would up it to �200 and present it to charity.

This unsuccessful to materialize and I went at the behind of to Santander, that could find no jot down of this conversation. All the same it sent �100. You have since this, as well as a sum next to to the paid-off balance, to a cancer charity. You contend you do not wish to great from something that right away you feel misleading about.

You additionally inform that you are creation great swell with your health.

Missing dividends (hopefully) on approach out

As you can see from the trustworthy correspondence, I have been perplexing to sort this out for a small time now, with usually unequivocally singular success.

I sealed one bank comment in Jan 2007 and asked for Centrica dividends to be sent to my new bank. However, this ask was not acted on and dividends sent to me at the old bank were not paid.

I am due dividends of �288.36. Is there anything you can do to assist?

SSStanmore, Middlesex

Equiniti, the registrar, had misdirected your Centrica dividends.

After I took up your case, the �288.36 was at last refunded to you, with �50 additionally paid for goodwill. This you are donating to charity.

Letters of this sort featuring blank dividends have featured all as well often in these columns over the past year or more. This has been quite frustrating to the most people who were held up in this at a time of bereavement.

Along the approach I have all the time uttered my views to Equiniti over the phone and during a assembly at that I endorsed ways I felt it could sort out what I viewed to be small short of chaos.

To the credit, ever pleasing and respectful to understanding with, I was listened to.

Now it unequivocally looks as if the distressing tide of complaints on this issue is set to relieve significantly.

There has been one fake begin along these lines though, so fingers have to be firmly crossed.

Even so, the thespian rebate in the series of complaints the registrar is revelation me about is additionally reflected in my postbag.

Equiniti processes about 40 million division exchange per year, of that 2.5pc have to be reissued for a series of reasons, together with a shift of address, the closure of a bank comment or the genocide of a shareholder.

It tells me that the sum series of complaints relating to division reissues viewed last year represented usually 0.004pc of the 40 million. It declares itself confounded how so most incited up with me.

Equiniti says there have been a series of use and estimate improvements. All division issues and reissues are right away being managed by one dilettante group that has been changed to work on one floor.

Before, these people were widespread around the location.

It adds that it has additionally implemented a series of pick improvements, together with an programmed lapse routine around BACS for cases where singular report has been supposing by the returning banks.

Write to Jessica, Your Money,Media Group, 111 Buckingham Palace Road, London SW1W 0DT

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