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Santander Charges spiralled out of control

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Santander had basically messed me around in one form or another since they took over my old bank, so I had decided to leave them.


I didn't owe them anything (no overdraft etc), so decided to move all my direct debits to my new bank. Unfortunately one direct debit for my mobile phone was a real pain to move and despite several phone calls to my provider (and them saying it had changed) would still come out of my old Santander account. On one occasion I didn't have enough money in there making me £21 into an 'unarranged overdraft'.


I've only got myself to blame but I left it and having changed everything over to my new bank, wasn't reading the statements -until I checked the old account and it is now around £400 with all the charges that have built up. I received one letter from a debt company, so now think it's gone to them.


Anything I can send to Santander to get them to remove the charges? I'm prepared to pay the £21 I owe.

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  • 2 weeks later...

Bump, anyone? Getting charged £100 a month on top of what I already owe for a £21 debt.


I would try phoning them but advice on here is always to deal in writing, rather than phone. If anyone can help I would appreciate it.

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  • 2 weeks later...

I've recently had a load of charges refunded on the basis of hardship and bank charges that had spiralled out of control. I initially went OD by only a few pounds yet ended up hundreds overdrawn. They seem to respond to genuine cases quite well but draft your own letter explaining everything rather than use a template. I also sent it to the chief executive officer rather than go through from customer service. Not sure if this had any different effect but everything was sorted within a couple of months. Google santander CEO email for address.

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I don't know if this helps anyone out. ection 187 of the Social Security Administration Act 1992

There is an Act of Parliament which over-rides banks taking charges from your account if you are in receipt of any of the following benefits.

• Income Support

• Tax Credits

• Child Benefit

• Job seekers allowance

• Incapacity benefit

• Disability living allowance

• Attendance Allowance

• CSA payments

• Other DWP payments.

These social security benefits are granted to stop hardship and are designed to meet basic day to day needs, and are exempt and are protected under the Social Security Administration Act 1992 sub section 187. from arrestment in terms of section 187 of the Social Security Administration Act 1992 (see Enforcement of Civil Obligations in Scotland, Scottish Executive report, at paragraph 5.245).

Section 45 of the Tax Credits Act 2002 Chapter 21 part 1 is an identical provision to the said section 187 of the 1992 Act. This stipulates that the banks can not apply any charges to money received as benefit, and any such charges are unlawful and therefore disallowed.

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There is no need to rely on this now,since the banks do have a responsibility to deal fairly with hardship cases.

The letter of appropriation is known to work,although there is a process that needs to be followed.

If you are suffering hardship then you need to put this in writing and include an income and exp completed sheet.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Thanks for that info Deebee, i am only Retired! So guess that cannot apply to me, Santander have increased Thier Interest rate on my mortgage, up by another £55 per month! no way i can pay that, have signed up with CCCS for advice.Thankyou also Martin That letter may help too.regards Ro

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