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Santander refusal


locksmith1
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I sent a very detailed emaill to Santander asking f them to refund me fees and fines for the last 5 years as I am really suffering right now. I am self employed, had a drop in income, am not paid regularly and have been diagnosed as depressed for the last three years due to financial stress. by the time I am paying around £100 in fines to Santander every month. They have refused after looking at the transactions on my account and referencing things such as the fact I purchased clothes and do not have things like Payday lenders on it! They also took a detailed look at my credit card transactions, even though my hardship case was based on my current account. (I can't understand why Santander allowed me this card with £6000 credit when my credit rating was dismal then). they have offered me a loan instead, for which my account will become a basic one and I will not have a debit card. Considering my wife, two teenage children and I are existing on our tax credits mostly (as by the time I get paid I can barely pay one or two outstanding bills), does the fact that I need to clothe my children mean I am not suffering?

what should I do?

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  • 1 month later...

Hi Locksmith,

 

Sorry this went unanswered - there's a lot CAG to cover.

 

Have a look at the possibility of taken direct action against the bank using BCOBs - http://www.consumeractiongroup.co.uk/redirect.php?x=http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

 

:wink:

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