[HR][/HR] Hi all, I'm around 1/2 way back paying off a loan from the above. When I took it out it was set up to be repaid via direct debit. After a few months I got a phone call telling me I was in arrears turns out that they couldn't set up the direct debit due to a well known fault on their system. For months I had to phone up on pay day to make the mothly payments over the phone which was a nighmare often getting passed around depts each deniging I made the payment the pervious month with them often it would take up to 45mins of being passed from pillar to post for it to be sorted. In the end I had a complaints handler deal with my case and was rewarded a decent 3 figure sum to compensate for the messing around. Finally after me repeatedly requesting to set up a standing order resolve the issue they relented and for a while not had a problem until tonight. Got a phone call from one of their outsourced compaines claiming I didnt make Dec's payment and the lass on the phone was a bit cheeky as well. Now I've checked online and the payment went out on the 28th and not the 26th as it should have I'm assuming this is due to the B/H I never had this problem last year. I've phoned up to escalate my complaint but been told the dept I need to speak to is closed and I've asked for a manager to call me back tomorrow to discuss. I'm not prepared to put up with their shoddy service anymore as also in the past they have put black marks on my credit file for no reason due to this which they have later had to retract. So where do I stand and should I take it to the financial omibusman? And the best laugh I bank with Cahoot ...who is owned by Santander!