I am enquiring on behalf of my father, who is 55, not well educated, and has never had a credit card in his life. Somehow, the Abbey/Santander have issued him with one - they must have bamboozled him with info one day he was in the local branch and got him to sign on the dotted line. He cannot recall doing so and does not understand how a credit card operates. When it arrived in the post, he thought it was a new debit card for his bank account and proceeded to spend on it in shops and withdraw cash from it. He has now been charged missed payment fees and interest on the cash withdrawn. The first statement co-incided with the funeral of his own father and may have been overlooked. Despite attempts to pay off the fees and cancel the card in the branch and on the phone, none of the staff have been able to help him, trying to encourage him towards telephone banking and online banking, which he does not understand. Is this a case of mis-selling a credit card? And is my father entitled to a refund of the fees and interest charges?

I had a loan with DFS originally with GE Capital bank that was taken over by Santander Cards. The loan over the last two years was always paid on time. I telephoned in April to check as I knew it finished sometime in the summer and I was told the last payment would go out in July. A payment went out on the 2nd July so I then cancelled my direct debit. On returning from holiday on 14th August I opened a letter to say theat a final payment was still outstanding to Santander. Confused and upset (as I have always paid my bills on time) I telephoned them to be told that Junes had been taken out late and July's was still due. I imediatelly made the payment on the telephone. They have registered me being 2 months in arrears with Equifax which is just lies. Firstly that was the final payment and secondly it was paid two weeks late and not to months. This has seriously effected what was an excellent credit rating and it is just not true. I have all the paperwork to prove the payments. Santander have told Equifax that the information is correct so they cannot amend my details. I am really cross. I have telephoned Santander and they will not put me through to a complaints department or any one that deals with the credit information. I was told to write in which I have done but knowone has replied. I really do not want to let this go as it is not right that a company can have you black listed with incorrect information. Please could someone advise how I can get the information put right, kind regards Alison