Peter

Sadly, being a foreign-owned bank, Santander clearly has a shaky grasp of the English language.

Having acquired Abbey's business banking customers who were offered a "free forever" account, they're now quite happy to change the original contractual terms unilaterally and without our implicit consent, charging a monthly fee from 01 10 25.

Well they'll not be getting a penny in fees from me. I've filed a complaint with the Financial Ombudsman and if that isn't resolved before the 01 10 25 deadline, I'll simply close the account.

As a Santander shareholder, I'll also be selling my holding as I refuse to stay invested in a company devoid of any morals.

Chase keeps lowering its interest rates (way more than the BOE has) & increasing the minimum monthly amount you have to pay in to earn any cashback.

Meanwhile they’re offering better rates to new customers for the first six months. Presumably because they’re losing existing customers who become hacked off with the constant downgrading of interest & ever more onerous cashback terms.

I’ve voted with my feet, moving all my savings elsewhere & paying the monthly minimum £1500 in, then immediately out again, simply to qualify for 1% cashback. If they make their terms any worse, I’ll just close my Chase accounts altogether.

Autoglass assessed small windscreen crack as repairable, having asked me to submit photos online and to confirm the shape of the crack & its size (smaller than a £2 coin). Then on the day they said the crack might open up, in which case it would need full replacement, with me having to pay the hefty excess. The whole visit felt like a scam, with Autoglass wanting a full replacement simply so they could get more money from me & my insurer. They also tried to sell me new front wiper blades, which would have been totally unnecessary, so I declined. Sure enough, at the hands of Autoglass's "technician", the small crack turned into a full windscreen replacement job. This replacement took over 2 weeks to arrive, during which time we were unable to drive the car despite still having to pay full insurance on it. BASED ON MY EXPERIENCE, AVOID AUTOGLASS IF YOU POSSIBLY CAN (though might be easier said than done, as they seem to have stitched up the market with insurers.)

I'm surprised there are so many negative reviews here. I've always had a positive experience & good customer service from M&M Direct. And before you ask, I am a genuine customer (not an employee!). I think some people are being unreasonable, expecting a discount clothing company to run a full phone service as well as email during the pandemic. Come on guys, give M&M a break! That said, I've been disappointed at the product ranges over the last year or so. A lot less choice, with some prices (e.g. on mens Ugg & Lacoste) much higher than when they first launched these brands. I'm hoping it's just Brexit & the recent Suez blockage that have delayed new arrivals and that stock levels, prices & choice will soon revert to previous levels.

For the benefit of other readers, you MAY be able to claim money back for any lost credit if you paid using a credit card. I bought some Zeek credit via Paypal using my American Express credit card. I initially raised a dispute via Paypal, but it sounded doubtful they'd reimburse me. So I also raised a chargeback claim direct with Amex. They put the full amount I originally paid Zeek into suspense, meaning that for now my Amex credit card account has been fully refunded for the amount I paid Zeek. This could still be reversed if Zeek were to challenge the chargeback. But I feel this is unlikely, now that Zeek's website has been taken down and they've clearly gone out of business. In future, I'd recommend others not to pay for this type of service via Paypal. You're FAR better off using your credit card direct, as this gives you Section 75 protection if the purchase is for £100 or more. I won't be leaving too much cashback credit in my Quidco and Topcashback accounts from now on either, just in case the same thing happens there. After all, both were heavy promoters of Zeek, so they've hardly covered themselves in glory.

Zeek were heavily promoted on Moneysavingexpert, Topcashback and Quidco. Yet as soon as they 'paused' trading - read: ceased trading - the cashback sites go eerily quiet about them. I had a substantial cash credit in my Zeek account which I now can't access or convert. So I've raised a chargeback with Amex and also a buyer's protection claim with Paypal. I'm guessing my other credit balances with Zeek (earned through cashback conversions via Topcashback & Quidco) are lost for good.... We'll see.

I used to find Photobox very reliable & high quality. But sadly over the past 7 or 8 years (roughly coinciding with when they acquired Moonpig), the quality has greatly deteriorated. I've had to request reprints on most of my recent orders, as the exposure, colours &/or contrast have been nothing like the photos I uploaded. I use a Canon D7 DSLR, so the quality of the uploaded images isn't in question. Whilst Photobox have always agreed without hesitation to reprint FOC, this has sometimes been a rather lengthy & laborious process. And it hasn't always led to improved results. So I think it's time to drop them and go elsewhere, particularly as their delivery charges are ridiculously high. My last order for a couple of photo calendars, an acrylic block and a jigsaw cost almost £14 in p&p alone. They say it's due to items being sent from different locations which I don't dispute. But working in mail order myself & knowing the discounts Royal Mail and other providers offer account customers, I've absolutely no doubt Photobox uses delivery charges as little more than an additional & highly lucrative profit centre. Time to try one of their competitors instead.

Like other reviewers, I lost confidence in Selftrade when Equiniti took them over and launched a new platform, which is totally unfit for purpose.

When they also adjusted their fee structure (i.e. increased their prices), I asked them to transfer everything to another provider (Halifax Sharedealing) during Selftrade's fee-free 'amnesty' period. However, they failed to transfer one holding (worth just over £2!) and started charging me £12 quarterly inactivity fees earlier this year. This is patently ridiculous, given that I asked them to complete a full transfer out back in 2016. I complained and received a letter from them acknowledging my complaint and outlining their timescales for handling it. However, unless they follow up in writing by 18 October 2018, they'll have breached their own complaints resolution timelines. And unless they fully resolve my complaint four weeks from 18 October 2018, I'll automatically refer them to the Financial Ombudsman Service. Assuming they've received 25+ other complaints in the past year (likely given their Trustpilot rating), the FOS will automatically levy a £550 penalty charge on them. I suspect this is the only way they might eventually wake up and offer something vaguely resembling acceptable service. Money usually talks. Finally, a note to Selftrade's Trustpilot monitor: Please DON'T ask me to send you my contact details so you can give me a call. You have all the information already via the secure messages on my account and your holding letter (ref. SQT/189044). Incidentally, for other readers' benefit, I've been very happy with Halifax Sharedealing since moving there. So I'd urge others who are still with Selftrade to vote with their feet if they remain unhappy.