u/RJDreddittt

Santander vs Lex (PCH)

Hi all!

I've been hearing a lot of chat on here about Lex and a supposed extension offer?

I got auto-routed to Santander with no alternative option, and despite the quote being £5 more than originally listed on the website, I've gone ahead (M3, Aug/Sep expected).

I submitted my application eight days ago with perfect credit history, yet my status of approval remains unchanged and is still 'pending'? Has anybody experienced similar wait times with Santander prior to approval? Is there any disadvantage of Santander, or is it worth switching to Lex?

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u/RJDreddittt — 3 days ago

Hey all, finally ordered my standard 3 on PCH, quoted at £295 with 1 month down for 24 months, 8k miles, Total amount payable £7,572

On the app, it sends me to Santander (or self arranged), in which they quote £300.55pm & 1 month on the same terms?

I KNOW it’s literally £5 extra per month, but is this discrepancy common? Do I just accept it? Or is Lex a better choice (not sure how I go about forcing this option instead?)

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u/RJDreddittt — 11 days ago

Hi all, would really appreciate some advice here as I'm pretty stressed about this situation. I originally posted in this forum around a month ago, and after receiving some helpful advice, I ended up sending my item Royal Mail internationally tracked using recommended customs information for what would be simple documents of zero value.

Despite paying for a tracked service, I decided to check manually with my tracking code after not hearing anything. Since the 13th of April, I have not heard anything other than the fact that it failed customs due to insufficient documentation. Royal Mail is unable to accept contact (tried phoning, email, AI bot) and they can only direct me to 'An Post' whom every time I contact via their web chat service. They keep providing different answers to my same question, some agents tell me I should expect this back in my hands in the next couple of days (has been weeks), while others tell me that the notice on Royal Mail's tracking is incorrect and it's actually still at customs.

I've yet to receive my items back, there's no tracking, and I can't contact anybody. Has anybody had a similar experience or can recommend what I can do here? Can I contact the passport office? If I do get them back, how do I resubmit 'correctly'?

My original post 💬

https://preview.redd.it/dq1rvzvtoxxg1.png?width=796&format=png&auto=webp&s=f2f4717c02afe1a0fca18c5dba97358e6b61e648

https://preview.redd.it/rpyrt1gwoxxg1.png?width=660&format=png&auto=webp&s=9940c17bd36ecf61935af6e128a7701e836352cd

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u/RJDreddittt — 16 days ago