Reopening 2012 Historic Satander Bank charges claim they refused?

[INSIGNIA2020]

Long story short, 2012 went after Santander for excessive bank charges, for the previous 6 years. 

They had absolutely ruined me I was in financial hardship, single parent and was battling cancer.

Fought with them, went through their complaints process and they wouldn’t uphold my complaint. 

Appealed through Financial Ombudsman and they wouldn’t uphold my complaint.  

Couldn’t fight back wasn’t strong enough and was going through major treatment and had 9 surgeries in total.

Was off work nearly 3 years, and now battle anxiety due to the financial situation that never goes away. 

 

2020 I’m still in debt, credit rating very poor and I still owe £’sssss.

Finished final surgery 2017....

 

I’m working, still on probation from my job, and nothing feels secure anymore,I’m 55 and still paying interest only mortgage.

I owe my parents thousands of pounds and they are retired and I can’t pay them back, and I so desperately want to.

 

I need sound advice, can I take this case any further, is deadline gone, do I have a chance in court now.

 

i have just found all paperwork to this complaint,  and I feel strong today to take this on again.

 

please any help, ?

how do I proceed, ?

am I wasting my time, ?

any similar stories. ?

 

In 2012 I calculated with interest it was about £16k,

I just can’t dig myself out of this hole,

and my case for financial hardship and cancer wouldn’t hold weight then, will it now.

 

thank you for any advice

 

 

[dx100uk]

where is you income paid into?

and how much of the OD do you think they responsible for against the total OD?

 

might be better just to cut and run...

 

dx

 

[BankFodder]

Yes, you say that this is in relation to a mortgage. How much equity is there in the property?

[dx100uk]

mortgage or OD?

 

or both..

 

[INSIGNIA2020]

5 minutes ago, BankFodder said:

Yes, you say that this is in relation to a mortgage. How much equity is there in the property?

No it’s in relation to bank charges, nothing to do with mortgage... I’m not with them for mortgage  I had to go interest only when on limited income.

[INSIGNIA2020]

23 minutes ago, dx100uk said:

where is you income paid into?

and how much of the OD do you think they responsible for against the total OD?

 

might be better just to cut and run...

 

dx

 

Salary paid into same account, the charges were approx £7k, interest on top 

[dx100uk]

IMHO go open a parachute account.

get any income paid in there and stop them taking your money

THEN deal with the issue.

 

if they don't play ball

let them sell it on to a powerless dca,

if the majority of the outstanding in their penalty charges and the interest they caused,

the powerless dca will be very wary of doing court.

esp with the history of dispute.

 

 

[INSIGNIA2020]

Good idea about opening another account, but the issue is can I reclaim bank charges that they have taken from me....

 

there is nothing for them to sell on to a DCA,

it’s through the excessive charges I fell into financial hardship...

. I owe them nothing.

 

This is a historic claim 

 

 can I reclaim years after they refused and ombudsman wouldn’t hold up my claim? 

[dx100uk]

so you have NO OD sum now?

is that what you are saying?

 

it's bank charges,..

.. it was very difficult then ....

and as you found, the FOS never side with a consumer over bank charges

sham you didn't come here then..

 

the only resolution you have is to try a hardship claim.

but as more than 6yrs have elapsed..i seriously doubt you'll ever get anywhere..

 

dx

 

[INSIGNIA2020]

Yes.... thank you for taking the time to answer.

 

In what capacity do advise to leave it now, are you in the business....

I was going through cancer treatment and had financial hardship....

I wasn’t really able to mentally give this the attention it needs......

 

I need to be sure 100% that this would be futile,

so hoping someone who may be in the business, or someone in a similar situation could speak from their own experiences.

 

I apologise if you do speak from either, and if so I will bow to your knowledge and burn all the paperwork and forget about it....

 

kind regards

M

[dx100uk]

god no we are not a reclaim business nor do we EVER recommend using fleecing CMC's, that cost you money on something you can do for free.

 

sadly, out of the experience of being on CAG for +10yrs, I have only seen a very limited number of historic claims succeed

the fact you were ill etc etc is of very little importance now. you are well outside of any limit by time.

 

HOWEVER as I said, you could try a hardship claim/letter.

 

but i'd 1st get everything satans bank hold on you by an sar.

should that reveal they knew of your plight say from the manual intervention log/account log/ etc and would put you in a stronger position.

 

 

[BankFodder]

Do not burn any paperwork. Keep it all in good order and in good condition somewhere safe. This is extremely important. You never know when you might need it.

[INSIGNIA2020]

Thank you,

of course under GDPR I can request all information they hold on me,

the downside is to get another bank account might be tricky as my credit report is shockingly low....

 

it was horrendous what they did to me, the bank charges sometimes far exceeded the actual bill I was trying to pay... e.g TV licence £11, bank charge £35.... it went on and on...

 

 I kept explaining this was financial hardship due to poor health, not reckless behaviour on my part.... they were having none of it... Ombudsman wouldn’t play ball either....

 

this was totally legitimate circumstances, no one would help me.....all my money was being taken by charges and so I spiralled into debt with other companies....

 

the stress was awful, impacted on my health, would have gone through another bout of chemo if I could have had the pressure taken off, that’s how bad it was....

 

thank you for your support, I will think about this and decide how to proceed.

 

M

[dx100uk]

just type no need to hit quote everytime

just type..

 

just click sar and send them one.

 

 

 

 

[INSIGNIA2020]