Massive Santander Charges

[MidgetInABikini]

Hi

 

I had a Santander account a few years ago. I stopped using the account in 2012 at a zero balance and notified them of such an action in branch. They said they'd keep it open for me unless I chose to close it.

 

Fast-forward to today and I have accrued thousands of pounds of bank charges as the account was 'under-funded'. £5 a day was added in debt and this happened for two years. We even, now I know stupidly, paid off a lot of these charges - and that's all they were, bank charges, not a single penny was for any purchase of mine.

 

This totals £2500. I attempted to notify them by writing, phone and in branch that I felt these charges were unfair and asked for the account to be closed. They wouldn't do it until the balance was zero.

 

Finally, last year, they agreed to cease the £5 a day charge and I stopped paying them. I now have debt collectors letters for the final £1k-ish.

 

That's £3500. Would anyone be kind enough to give me a step-by-step guide to reclaiming with template letters, etc? I've recently been made redundant and cannot even claim JSA as, working on a zero hours contract for the past three years, apparently I've not made enough NI contributions.

 

Thanks for any help.

[AndyOrch]

Hi MidgetInABikini why would you want to reclaim unfair charges ? You have suffered no loss...you can ignore the DCA.

 

Have they defaulted your credit file for this debt?

 

Regards

 

Andy

[i hate bailiffs]

What does credit file show?

Noodle is free

Do you have all the statements if not SAR to Santander'

 

You will have to make a formal complaint to them and probbly follow it on to court

There IS A loss as your credit file will be marked

[MidgetInABikini]

£2.5k approx. has been paid back.

[MidgetInABikini]

Yes, credit rating is a mess due to the default.

 

I will do the SAR if that is my first step.

[MidgetInABikini]

I'm having trouble finding an up to date address for Santander. Can anyone help please for the sending of the SAR?

[fkofilee]

Please let me know when you have got your SAR back, I can put you in contact with the exec team at Santander

[AndyOrch]

£2.5k approx. has been paid back.

 

Ah it wasn't clear from your initial post that you were paying the debt back.

[MidgetInABikini]

Thank you, fkofilee.

 

andyorch - sorry about that.

[maroondevo52]

I'm having trouble finding an up to date address for Santander. Can anyone help please for the sending of the SAR?

 

I'd think starting here should get a response.

 

Santander Data Controller

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

[MidgetInABikini]

I've had my letter and cheque returned to me as I left the payee blank on the cheque.

 

Any idea of who the cheque should be made out to? Is 'Santander' appropriate?

 

Anyone done this before?

I'd think starting here should get a response.

 

Santander Data Controller

2 TRITON SQUARE

REGENT'S PLACE

LONDON

NW1 3AN

[maroondevo52]

Hi,

 

Yes if that's the only issue they have with it, Santander should suffice.

A £10 postal order would also do.

[Jolliffesguy]

I had similar trouble with HSBC and just wouldn't pay them, it was ridiculous the way their charges mounted.

OK it spoils your credit file but I sill determined I wasn't oing to pay.

Personally if I needed a loan in future I'd then sort of try and cross that bridge when I came to it in he future.