So, on reading through some of the posts on here its become apparent (to me at least) that we are all getting ripped off left right and centre by companies using deceptive methods, shoddy customer service and plain ignorance. I say sod that, lets name and shame these companies and create resource for people looking to change suppliers or make a purchase. My first Name and shame would have to be Santander! 4 months running my direct debit Credit card payment failed. Each time I rang up, paid and re setup the direct debit. Each time I was promised the problem had been sorted and each time the same thing happened. Checking my credit file I noticed that there were notes from Santander claiming I had "missed" my payments. I called them for the 5th time and was told that I needed to pay all the charges up front and my payment to get my account back to normal. Only then would they refund my charges. Being stubborn I refused to pay a penny, took down the name and employee ID of the guy on the phone and his manager and made a complaint. There was no way in hell I was paying fines which I shouldn't have had in the first place,just so I can bring my account out of arrears. I explained this to the guy who called re my complaint who escalated it to his manager. I was promised all was well and my next payment would come out as planned. Only it didnt... again. Another call back and I was told the same things again. So I said enough is enough. Made sure the call was recording (my end and theirs) and explained to the manager that I was recoding this call. I explained the situation in great detail for the benefit of the tape and politely said goodbye after I had finished. Within an hour I had a call from a senior manager, he explained there was a technical error on my account, gave me £100 off my card, no payments for three months and rectified my credit account. On top of that he also extended my balance transfer for 6 months. So good outcome in the end but it makes me wonder how many people just accept things like this and how many people don't even notice.