Hello,

I posted on Saturday a letter to Santander reclaiming over 2 k of bank fees (template from this site) .

It contained a paragraph in which you say what has happened

- lot of death in my family and lost biz too.

It was a very painful letter to write. (I kept it just a paragraph).

Today they texted me they had been trying to call me and to call back.

I hadn't answered since I am avoiding calls from anyone (not in a good place).

I feel sick.

Do I have to talk to them?

I don't think I am strong enough to hold it together on a call

(now my keyboard is wet).

Kicking myself.

nope you don't have to talk to them

writing only.

how did you calc what you were owed

and did you include the interest these have cost you?

or just sent the hardship reclaim letter

what type of account is this?

Thank you.

Thats good, the lady also left a message

asked me to call her and gave her number..

..is she more likely to give back money if I speak?

Ah jeez, I would feck it up and it means so much to us.

Also I know I am not 5 years old but the thought of someone shouting or being mad, I just end up in the loo.

Sorry have become pathetic and useless..

Sorry, the letter template was from the money saving expert sites and yes I put in fees and interest.

Its a current account.

so you had al the statements and used a spreadsheet to calc the total refund under hardship?

you certainly don't ring them

thanks really thanks

phew

yes because the statements are online so i was able to pull off the charges and used the calc thing on money saving expert that adds it up. So just ignore her message?

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

you should be using the CISHEET.

at their OD interest rate.

dx

Crikey thank you so much hadn't found this!

Darnit... My honest advice is if it is a complaint, it might be worth talking to them because they may just shut it down with no contact... However if you do speak to them - record your calls all the way...

Thats my opinion but at the same time you are free to do as required

I just think make sure you get everything that is said over the phone in writing. (Under a complaint for Financial products - They are required to detail their investigations in the below format)

- Intro

- What you complained about

- Initial findings

- Further investigation

- Resolution

- Compo if required

- FOS rights

Hmmm... don't get your hopes up... I wrote to Barclay's on someone's behalf when they were in financial hardship and in receipt of HB, etc...

Bank kept taking charges for bounced DDs and putting them into an unauthorised overdraft. Charges amounted to £4k! They just wrote back and said the charges were lawful, but here's £50 as a gesture of 'goodwill'...

They know some people don't have the courage to go to court and speak up for themselves, so they get away with it.

TB