If you need an extension on your time to try and figure this out further, if your account is with viking services now you can get in touch with a DMC and get to the point when they provide you with a reference number as this is all viking require to place a 28 day review on your account, gives you a bit of breathing room. Is there any update on the situation?

I cant speak in regards to any other bank but in regards to santander what has happened here is know as a ROSO and is written in your terms and conditions under condition 5.6, The collections department will not and can not deal with this over the phone once the payment has been taken, you will have to contact either customers relations department or milton keynes department to discuss the matter over the telephone, unfortunately no matter what the source of the funds it is entirely legal to take an amount from your other accounts as it is written into the terms & conditions, the only way you may be able to claim some of this back is if you claim that not enough has been left for your family to live on which is also written into this particular condition.

Hello, have you managed to solve this problem yet? if not respond here and il make sure and advise of what santander cards will require for you to do next.