www.cardsave.netReviews of cardsave.net

UPDATE: I received a call from Cardsave customer services and my issue was promptly resolved. If things were as smooth in the first place my review would have been a 4/5 as opposed to the 1 star review I gave with my initial feedback below. I will like to state that my only grievance was the termination fees which I was cornered to pay. Now that this has been waived and a confirmation letter is on it's way - I see no reason to review this company unfavourably. For new businesses, please watch out for the closing clauses. Cardsave should train their staff to make sure the termination dates are clearly understood by potential customers. Further, it won't be a bad idea to call or inform customers prior to the renewal date as is the case with almost any industry. Should these changes be implemented, I am certain Cardsave will get no less than a 4 star rating. My initial review is still visible below. Thank you for resolving my grievance, and I sincerely hope you amend your cancellation policy. Kind regards, Muma Kaba *************************************************************************************** I signed up for a year contract with Cardsave and in about 9 months in, the rates I was on were no longer competitive. So naturally, I got another terminal and kept on paying the monthly fees for the fixed and internet terminals provided by Cardsave. I was saving about £50 per month with this switch to an alternative company. I called Cardsave (by telephone) about 3 months towards the end of my contract informing them that I will not be signing up or renewing my contract when it comes to an end. Wait for this: The operator told me my request could not be processed, as I could only make such a request on EXACTLY 30 DAYS TO THE DAY MY CONTRACT ENDS. I questioned the legality of that but decided to call back 30 days later. I was sold the terminal service by a field sales Rep on the 21/02/2013. It took a further 7 days for me to receive the terminal and for things to start working. I emailed Cardsave on 23/01/2014 informing them that I was giving them a 30 days notice to terminate both my internet terminal and the fixed terminal. I received an email the very next day listing the charges that I will incur should I continue with cancellation, and a phone call later confirmed that Cardsave was hell bent on making life difficult for me because of my decision to move away. I wrote a very reasonable letter stating my refusal to pay the charges for a technicality of missing the request to cancel date by 2 days (considering they took 7 days to get me running with the fixed terminal) and absolutely forever to get the internet terminal working. Do you think they acted reasonably? No! I am now being harassed with threats of county court judgements and they are demanding two payments of £251.82 for the internet terminal and a further £251.82 for the fixed terminal. This is not how to treat customers especially when the service you have delivered hasn't been up to scratch. I am getting my solicitors to take over the fight for me. I will never recommend this company to any business; especially if you are a new business. Muma Kaba

I have only had my card terminal since July 2013 and signed up under a deal with no minimum card transaction fees. I was notified in February that Cardsave now want to charge me a minimum of £25 + vat per month for card transaction fees starting in April. In the notification letter it clearly stated if you didn't accept these new terms you could cancel by the 1st April and not incur a charge. I have given written notification on the 1st March and still haven't received an acknowledgement. I have had to phone them and was given an alternative email address to send to, still no reply. During the phone call I was told there would be a charge of £150 + vat plus the outstanding months rental to cancel. This charge isn't mentioned in the letter I received and having checked the original agreement I cannot see any mention of a £150 + charge, I have asked for confirmation where this charge is mentioned in the agreement and surprise, surprise no reply to this question. This isn't the first time I have had a problem getting Cardsave to reply to questions, their customer service is absolutely appalling, you have to constantly chase them to get an answer. I certainly won't be staying with them and would advise anyone thinking of a card terminal to look elsewhere. I have now been contacted by Cardsave, unfortunately I must say I stick with my original review. Don't consider dealing with them, they aren't willing to listen, it doesn't matter that the salesman promised no increases or changes during the contract term. I only signed with Cardsave because they didn't impose a minimum transaction charge each month, I had already received cheaper quotes for both the card terminal and fees, but the other companies imposed a £20 minimum transaction charge. Having spoken with a lady in Cardsave's customer service department, I must say they really are taking the mickey. I had always been led to believe that the £25 minimum transaction fee was what you would pay if your transaction fees didn't come to £25 each month, but I have been told that this will be levied on top of the transaction charges each month if they don't come to £25. So you could have £24 of fees and a £25+vat charge = £54. When I was accepted for the card terminal last year I received a copy of the Worldpay Terms & Conditions, which don't impose a cancellation charge, you just have to pay the remaining monthly terminal charges, which is fair enough. However I am informed that Cardsave weren't part of Worldpay at the time and that this doesn't apply to my contract, but if you search the internet you will find that Worldpay acquired Cardsave in December 2010. Maybe Clive Kahn can tell me why I was given a set of terms and conditions for Worldpay if they didn't actually apply to my contract, surely this is against the law? Following my chat with their customer service department I have arranged return of the card terminal and resigned myself to a Small Claims court case to recover any cancellation charge which is levied by Cardsave / Worldpay.

Signed up with Cardsave on the 7th February 2011 after a lengthy meeting with sales representative. After using for three years and becoming increasingly aware of the hidden costs (again not advised by the sales representative), poor terminal performance (GPS unit) and lengthy time for funds to be deposited into business banking account as well made it incredibly difficult to change my business banking details when I changed banks. Eventually I decided that it was time to move on and find a more cost effective company to work with, which I did. I contacted Cardsave to enquire about cancelling my contract, as it had been explained by the sales representative I could do this after 12 months as I was only tied in for the initial 12 months. I was given no information about cancellation on the phone and was told to email the cancellations department. Two weeks later I emailed again as I had heard nothing and today 24.03.14 I have received an invoice for £481.86. Letter stating that this is for cancellation charges and for membership fees. None of this was made clear by the sales representative as far as I was aware it would cost me nothing to cancel after the initial 12 month contract had expired. Whilst I now appreciate that this is in the small print of the contract I feel that this is important enough that the Sales Rep should have made a point about telling me about these charges and fees. As a small independent trader these charges are nigh on impossible to pay. Needless to say I will not be recommending this company to ANYONE.

I am write to dispute some of the comments made by the chief executive. I rang cardsave yesterday to cancel my account. I have given 2 months notice and the anniversary of my contract is in July. I was informed by Cardsave that the cancellation fee is unavoidable. It is not related to advance notice nor is it linked to the anniversary date. Whenever I choose to cancel I will always incur a fee of £120 plus vat. This I find is underhand and unfair. We were also advised that the cancellation fee only applies to the first year of the contract but having had the machine a few years and given sufficient notice I see no reason why a cancellation fee should apply

I signed up with CardSave on a 1 year agreement, and received reasonable customer service, although occasionally they were a little abrupt on the phone. I found out just in time that they automatically roll you over each year, so if you don't contact them by the end of month 11 they will automatically extend your contract for another year. I thought this was underhand, but just added that as a reminder. I do think that sort of action should be banned. I contacted them during month 11 of my contact because I had spoken to some other providers of card services who had lower prices, and cardsave offered me a rate review. The rates were better than my existing rates, but not quite as cheap as the other providers. I accepted this in exchange for no hassle changing providers, understanding it was a 12 month agreement. Less than 3 months later they send me a letter saying they're introducing new additional authorisation charges which never previously existed. They're also jacking up the cost of refunds, and charging me to receive a statement amongst other things. Putting prices up mid-contract shows a lack of foresight by CardSave, they should really be dealing with that as part of a rate review each year, not mid contract. Their letter made reference to the option to terminate without additional charges provided I serve written notice on them. As a result I shopped around again, found a great rate with another provider. I contacted them to find out how termination works. They said, sure you can terminate the Streamline agreement, but you are still bound by the terminal rental agreement, and we will charge you £150 to terminate agreement. So they print lies on their new pricing notification! Their customer service rep states that they can alter the contract as they see fit with sufficient notice they can do what they want! They say because they have given me notice I have to accept it or pay the termination costs. I spent a day shopping around, sorting out a new provider. Then I find I'm going to be worse off if I cancel because of all the termination fees (that they said didn't exist in their letter). All I get is - we can't help it, our prices are going up, but we could possibly review your pricing for you, in exchange for staying with us for the next 12 months! To go back on prices agreed prices a few months previously, then say you can't leave us even though we are putting our prices up speaks volumes about their business practices. This is a company to avoid as they obviously have no respect or commitment to their customers.

I arranged a meeting with the local representative in order to ask some key questions about charges. We are a seasonal business and had not signed up with other providers as they all had a minimum monthly charge. This would have been a waste of money for us as we don't do any business for 6 months of the year. The representative quite clearly informed me that there was no minimum charge and also the transaction fees were fixed and the same for cardholder not present transactions. Our account was set up and he whizzed through the paperwork on a small tablet which I had to sign without being able to see the whole page. Once invoices started to arrive I noted that the very charges that I had wished to avoid and reassured were not going to be charged were present. I phoned Cardsave to complain and the representative I spoke to first couldn't find my details from my merchant number and suggested to me that the account was non- existent! We then got mysteriously cut off! I finally spoke to a seemingly helpful lady who promised she would contact the original Sales Representative and his Manager. She promised me a return call. I am waiting. I feel that I have been blatantly lied to in order to get me to sign up. It is grossly unprofessional and fraudulent to say one thing verbally and have completely different information on the written contract. I will be fighting this all the way.

I opened an account with this company in good faith as it seemed a great deal and [name] was very friendly. account opened first had to chase terminal then charged for till roll pack I never asked for. then invoice one is fine invoice two arrives charges galore that hadnt been mentioned by [name] invoice three after numerous phone calls disputing charges on invoice to be told they would be refunded. Refunds I was still waiting on and still am to this day invoice three had same charges on again! It is a good job I took names and dates of who I had spoken to otherwise I would of been palmed off. they cant send out letters they promise but they are quick to send my bill out! Its such a shame as a recommended by father to use the company and he had same issue recieving terminal then he had no merchant no. To use so was paying rental on a useless machine. Needless to say that account was cancelled 2 days after opening. I on the otherhand cannot do so but I will be waiting till the date I can give my notice to this useless company. please steer clear. Unless you like paying people for an awful service [names] are some of the useless staff I jave spoken to. Pointless waste of time

We have now been on phone for 45 minutes and they are refusing to send out handset in time for our Trade Show at the NEC this Saturday despite having sent out one faulty one already. Rude, unhelpful - worst customer service I have ever experienced. As former barrister I will be taking action for breach of contract and any damages that arise as a result of the lack of performance. I need the machine by tomorrow and they are just refusing. If anyone from Cardsave looks at this it is not too late to send it to me by 24 hour delivery.