Hello, I am sure the banks do not care where the cash in the account came from or that is childrens allowance for the month for essentials...Child Tax Credits are paid to anyone with children that earn less than (I think 58K pa) on a sliding scale. Parachute account...well I have changed the Tax credits over to another account this month as I cannot allow them to operate in this manner.... Viking are the in house collection agency of Santander and have not and cannot buy the debt..,.what concerns me is the fatc the have access to my bank account...past transactions should be covered under the data protection Act...not happy with this. Anyway they have 7 days to refund the cash along with picking up the tab for all the bank charges I have now incurred due to no cash in account....plus compensation.....otherwise the will be receiving a summons without further warning......seeif the courts think this is the way for a foreign company to act in relation to UK banking procedures. Thanks for all support.....we have borrowed this month and are really struggling....everyone is now asking why have you not paid this month....Santander Stole My Cash this month and left is very very vulnerable. Dandy

Hello OldAndrew2007, Thanks for asking. Unfortunately the bank have refused to even deal with this situation on the telephone...they say we have made a complaint and they will be in touch within the 8 Weeks timescale the are allowed. Santander are shocking me the way the have acted and continue to act....I have complained to the FOS and really hope this is not the end of the matter. I have also cancelled all future Child Benefit Payments/Tax Credits from that account and we are now facing bank charges due to no funds in account.....BUSINESS AS USUAL FOR THE BANKS I SUPPOSE. We have been stuck in the house with no cash for food and nappy's for kids...it is real testament to our survival that we are eating the stored food and lying low until things improve. The worst thing of all is this kind of action only serves to allienate this bank...I will tell everyone that will listen to my story.....I will shout loudly and may even walk into town 5 miles and shout in the branch while cancelling Direct Debits for Council Tax Etc which I obviously cannot pay now this month. Funny thing is if Viking are meant to be a seperate company...although Santanders in house collection agency...I am not sure why they have the right to access our bank account and go through all past transactions.....Very wrong and in my eyes must be a breach of Data Protection. Thanks for listening....kids dont really notice...only difference is they are now on water and not milk for now. Rgds Dandy

Hello, A few days ago I noticed the balance of our current account was lower than expected as we had just recieved our Benefit Payment from DWP for our Child Tax Credits. We received a letter yesterday from Santander bank account explaining their right to offset any money due to our credit card with Abbey (In Dispute, Consulted CCCS, and advice of token payment of £1.00 where and when possible due to financial position unitil it changes.) They also said in the letter the account was £48. In Arrears..... So today I have been in touch with them and they now claim that they have in fact offset £455. from the bank account when we only received £580 in total from the DWP for the month to help with our children's costs two babys under two. I cannot understand how this can be possible or legal as we are now pretty vulnerable due to this draconian action taken by Santander....they paid the money to Viking Collections....I know a branch of Santander, but strictly speaking a seperate LTD company. They claim we have not been in touch to make arrangements when in fact we have been waiting on them answering our letters regards our request to review the amount outstanding due to financial difficulties. After spending all day ont the phone the Santander/Viking/Santander/ FOS/CCCS I am exhausted and to make matters worse....one of the satff at Viking in there frustration and evilness has passed a Burial Park's Number instead of their collections department...very close match but I recorded the call and have played it back and In my mind it was a malicious act of evil by someone employed by the one of the worlds leading banks SANTANDER>>how can this kind of action by governed by anyone in the UK. Further more on one of my final calls a VIKING member of staff sneered that did I know these calls were costing £1.50per minute and I had been on the phone to them for around 4 hours in total by this time...purely due to their refusal to A/ Let me speak to a supervisor and B/ They would call me back within 48 hours why was I still phoning. We have been left destitute for the rest of the month..unable to pay our mortgage...council tax payments and food and nappy's for the babies......Where is this country's banking industry going? PLEASE can anyone offer advice or action we should take...... I feel so angry the FOS have said it may take up to 8 weeks to investigate...I was hoping to get answers today but now who knows... Dandy

Thanks for that info dundeelaw, I have a Bank Account with overdraft and it mostly made of Bank Charges, I have Sent a subject access request to the bank and the have not really fully complied...It has since been a year and my case is with the FSO. Can I make a request for info through the consumer credit Act 74 and if they dont comply raise a Small Claims Action to have the agreement, judged non-enforceable for the non compliance? Sorry to ask a question on this seperate post? In Newport On Tay so not far from Dundee. Regards Dandy

Hi there, Not quite sure if it is still relevant but had a PPI claim against Lloyds TSB and they paid out through the insurance services direct into another account even though the balance remains outstanding on the credit card account that the mis sold the insurance on. There is also another two Llyods one current account and one mortgage account both in arrears and now I have the cash I was going to negotiate the balances down. Is this any help? I am now in the process of offering third party Debt Collectors a reduced sum fingers crossed they will accept and I can use the rest of the cash to reduce other debts. Never Never accept any first offers after I refused for a few months It was quite easy to get 5 times there first offer. Good luck to you mate dandy

Hi there thanks for the advice. I have just recieved a letter asking for the full balance of the credit card as they had been informed from ther agent that we could not agree payement terms. I feel the banks are still making up the ruls as they go along. We specifically asked for PPI when we took the CC out as we were new in business and wanted some protection. When our business was liquidated we did not have many options...but were assured not to worry but to claim on the PPI policy. We did this and then they sent up and agent who informed us that if the claim was succesful the balance would be cleared off due to timescale involved. They then wrote to us telling us that our claim was being refused for some absurd reason that my wife was pregnant again and was not actively seeking employment. ??? They then wrote to us asking us for a reduced payment of half the outstanding amount to clear the debt off...which we refused as we want our day in court. Since that time we have been preparing to go to court and no the bank have offered a full refund of PPI premiums plus compensation which we have told them to shove it unless they confirm that the balance of the CC would be cleared also. Now we have received a letter from the bank asking for the full amount to be paid again. I am about send them ther summons and was hoping someone could help with the Statement of Claim and confirm that if they have admitted the mis-sold the PPI then the terms of the CC are now Unenforceable. If anyone can help appreciated and thanks for the info before alanana....but having the PPI offset against the balance is no better position in after losing our business. Again any help is appreciated. Dandy

Hi there alanalana, I would have agreed with you if this was simple bank charges refund and there was arrears. However, as Lloyds TSB put it if they refund me the PPI premiums and interest etc then I am as close to a position I was in prior to taking the PPI out. Yes, but unfortunately this is a little flawed as I cannot turn back time and select a PPI that would have been suitable to cover us in the event of our business going into liquidation at this stage. Our business went into liquidation leaving a large balance outstanding and witht he appropriate cover then perhaps we would be resting easy some three years down the line, but we accpeted the sub standard not fit for purpose PPI they sold us. It is my viewpoint that had we the correct insurance then there would be no balance. Have loads of other arguments regards this PPI that was miss sold. thanks for your help and input ...really appreciated. Dandy

Hi there all, Have not had a chance to frequesnt the forums as of late due to a family illness but I have now had an offer from Llyods TSB, fully accepting responsibility and offering compensation and the refunded premiums. I feel it is a victory....but was wondering there was no mention in the letter regards the outstanding balance of the credit card in question. sitting at £5K. It goes without saying that if they agree the PPI was not suitable for me in the event of me losing my business then I could have found cover that would have been suitbale therefore the outstanding balance should be cleared. Can anyone tell me if this is the standard procedure here.....This one has been refered to the FSA and they have given Llyods a kick up the backside that has initiated there offer.....Not sure if there offer is maxed out as I have read around the forums re compound interest amounting to ££££. Any help or tips on how the bank will deal with the balance is appreciated. Donation will be on the way after settlement. Without this site I would not have put up a fight. all the very best Dandy

Hi there, I sent SAR and then sent the bank a letter think it was Andover office or Brighton, cant recall but they are now saying the Insurance Section at Newport SW are investigating my claims......In my eyes 8 months too late since my initial approach. I will find out and let you know. Dandy

Does the Hardship waiver not allow the banks to consider reclaim applications if the criteria is ,met? And can you still reclaim unfair charges on credit cards and loans? I have not been keeping up to date. ant pointers appreciated. my Mrs thinks I am mad trying to read through all this info on this sitefor hours on end but to be honest it just makes you more deteremined to find an angle to fight the bullies. Cheers people many thanks Dandy

Again sorry for sounding a bit dumb...but what happens to the overdraft interest on the account. I have left it off the schedule of charges at the moment. I have used the compounded interest on the main calculator...Again do I take the figures and add 8% to the total sum or individually again. Little bit brain dead with it today. I wrote to Lloyds TSB and copied the letters to every possible department. After I finish with the PPI nonsense I will be getting my bank charges back on this and on other bank accounts/credit cards. or at least try. The bank sent me a letter the other week still charging the account that has been domrant for over two years and is wholly made up of charges now. Whats up with these people? Onwards and upwards NSD Dandy

Hi there thanks for the advice PF. compunded Interest + stat interest. Thanks again Buster, Ive been telling them Im Recording the calls for the last year or so since discovering this site and then realising if you play them at there own game they dont like it. I have already submitted my complaint form to the FOS and I will still press ahead and raise a court action against Lloyds. If the FOS wont help due to the court action then thats fine. Cheers Dandy

Hi there Buster, thanks for the reply. The PPI was on a Credit Card and I have gone through the last 10 months hassling them to try and get somewhere. I have now came to the conclusion that I should just get the court action lodged in court and stop trying to get them to cough up first....it's not there game. I have logged all the calls with details...the annoying thing is the calls from India at 9pm while my kids are trying to sleep they keep calling and wake them....I will raise a court action if the persist with regards to Harrasment procedures...Ive had enough. will check out the thread...not sure if I have filled in the schedule of charges correctly as it is the return of the Inusurance premiums Plus 8% interest plus Contractual interest. All the very best for your help Dandy

I have been corresponding with the above bank regards the mis-selling of PPI and I have 2 x complaint forms from FOS completed and ready to go. I was about to issue the PPI schedule of charges with my letter before action...can anyone tell me is it different than Bank Charges Reclaim. I am really annoyed as the bank has just started hassling me again with phone calls at 9PM at night having no regard for my private family life and I have threatened them with Harrasment Enforcement Action if they do not cease and desist from this behaviour. Please if someone could help point me in the right direction for the schedule of charges and interest that I can claim then that would be excellent. Thanks for all the help received so far on this long journey. Dandy

Thanks for that, Already discharged after three and half years and still cant get bank account. Cheers