@santanderbankgb Santander Cards, charges taken me over credit limit

[dx100uk]

santandy manage the financial account, the store merely sell the products and ges their money from the creditor immediately, thats where their involvement ends.

 

dx

[dx100uk]

if you've not got all the statements you really should sar them.

 

you need to put in two claims

 

one for penalty fees

and

one for their spoof PPI

 

they will write back and tell you its not PPI

they will say its something else - and not covered by the FOS/FSA PPI ruling.

just call their bluff and they will cough.

 

you need to use two copies of the attachment ive sent [1 PPI and one for penalty fees]

this is called an SOC [schedule of charges]

put THEIR latest int rate in cell D15 of each

 

then fill in the three columns for EACH item from your statements

 

PPI CLAIM

get a copy of the fos customer questionaire from here:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

fill that in and post it off with your PPI SOC

and a covering letter

 

PENALTY CHARGES RECLAIM

Charges SOC + covering letter

 

if you dont do it properly

they will short change you and wriggle and wriggle

 

dx

[dx100uk]

who me ooppss!

[dx100uk]

as advised in post 13

 

reclaims do not put the A/C into dispute

 

yuo should have continued to pay the minimum.

 

dx

[dx100uk]

thats ok

get reclaiming then

you'll get it back wont you.

 

dx

[dx100uk]

i have removed the image link as the photo album as it shows per photos.

 

if you need to post docs etc

 

use:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[dx100uk]

thats a std fob off letter.

 

if you did not send the FOS CQ+ SOC + covering letter

 

they'll do that as you have not put your case across you've left holes

 

dx

[dx100uk]

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

FosCISheet v101.xls

 

dx