House of Fraser unfortunately changed their financial services to Santander since then I can only describe my account as having a catalogue of errors. They had a system malfunction which failed to take the direct debit; this was apparently my fault - how? I was charged interest and card on hold for 6 weeks; apparently I shouldn't be so reliant on credit cards. Yes, that is what a member of staff told me. What century do these people live in? It took 3 months to sort with me having to cancel the direct debit in order to resolve matter. Set up direct debit again, apparently this would take a further 6 weeks and I would have to pay manually, when the statement arrived it showed payment by direct debit. I queried this with the call centre they said statement was incorrect would need to pay manually; they confirmed this twice with me as I said I didn't want yet another problem. Guess what it also came out by direct debit - it would take a further 15 days for them to credit my bank account, unbelievable. Another month another error, they have taken just £26 from my account instead of taking the full funds which is still sitting in my bank (this is over £2, 000). I have made 4 phone calls over the past 24 hours to this call centre. They are so incompetent, no supervisors available they will phone me back - I can only assume they are dealing with an overwhelming number of similar complaints. Being reasonable I waited an hour before calling back - then told their policy is a call back within 24-48 hours. This is a shambles; they barely speak English there is no one who takes control of the situation so it goes from one bumbling idiot to the next. If you have ever seen the sketch from Little Britain they surely got their inspiration from the Santander Call Centre. Once I get this sorted I will destroy this card. This Indian Call Centre is working at the detriment of such professional companies as House of Fraser at a time when business in the UK is struggling. Come on Santander shut this call centre down and move it somewhere where the staff speak English and can resolve issues. This is not a service; this is a massive disservice. I am livid!