Hi all, Santander seem to have totally ignored my letter which I sent through their automated system. Definitely the worst bank I have encountered

Hi all, Still not received a reply to my letter which I know they have received. They seem to have stopped texting me but have now decided to call my landline 3/4 times per day instead. Also got a letter threatening a 'door step' visit. They aren't an issue though, had one before. Can't see anything being solved with these idiots though if they ignore my letters

Thanks a lot. Sent the letter yesterday. See what happens

Hi all, I've not sent the follow up letter to them yet but today I received a letter acknowledging the settlement offer. It contained some funny language 'we are writing to confirm we are prepared to accept [twice as much as I offered]' Barclays still own the debt and offered to settle for 80% 6 months ago but I wasn't in a position to raise the money. Do you think I would be better making any offers straight to barclays?

Thank you. Do you think I could get my £800 overdraft reinstated so I could use the account again? During that phone call to improve my financial situation they actually made it worse

Hi all, A bit of background I had a Santander account with an £800 overdraft when I lost my job 5 months ago. A direct debit that I thought I had cancelled came out and put me £5 over the overdraft. I was then hit with the punitive charges that I had signed up for, these worked out at £100 over the month. This had the affect of wiping out the JSA I was claiming at the time. I rang Santander and asked if they could scrap the charges due to my circumstances and the small initial error. This was refused but they said so I could 'access' the JSA money they would increase my overdraft to £1100 but I would now have to start paying the overdraft back. Not sure about the ethics of this but it was the only thing I could do. They asked how much I could afford. I said only about £5 considering I had £280 a month to live on and other creditors. They said I would have to pay £50 a month. Needless to say I moved the JSA payments to another bank account. Last week, now that I am getting back on my feet, I sent Santander the letter from national debt line advising them I was trying to sort out my finances and asking them to freeze interest etc. (balance is now -£1350 with 0 overdraft). Today I received a letter from them saying they had recently reviewed my account and found that: 'the balance was in part due to account fees' 'These fees were incorrectly charged during a period when we had agreed to suspend all account fees' (don't remember this) 'We will be refunding these fees, totalling £150, within 28 days' (28 days!) Seems like a pre-emptive offer to me?

Thanks everyone, I've sent them a letter today asking for a full breakdown of the alleged debt. Also requested that they stop calling as all future correspondence will be by post

Hi all, I recently received a letter from Moorcrofts telling me barclaycard had decided to change my interest rate to 1%, the letter also included a MONTHLY INSTALMENT OFFER A relative has offered to help me pay the debt and so I sent a reply with an offer for full & final settlement. Today I received Moorcroft's reply. They acknowledge that I've contacted them but no mention is made of the offer I made. Instead they have sent me an Income & Expenditure form to send back to them or alternately I could phone them 'they will be happy to help' (HA no thanks) The most I'd be able to afford to pay them is about £5 a month. Should I send them a reconsider letter for the offer of f&f again? Or should I send it to Barclaycard? Any help would be appreciated. Thanks

Thanks. I was just about to send them a letter and thought I'd see what everyone thought on here. Had a feeling I could be creating new problems by contacting MH

Hi all, bit drawn out this 2 years ago I decided to move my main bank account to Santander. I left my Barclays account at -195 (200 overdraft) and didn't look at it for quite a while. Then last November I received a letter saying Barclays had defaulted my account and I owed them £800 and they had passed it to BCW. I can only assume a charge from Barclays had taken it over the overdraft and then £600 of 'reserve' charges had built up I rang BCW straight away to query the amount and they said they didn't have the details but I could pay £400 then to settle the debt and I would have to contact Barclays for details about transactions. I then rang Barclays and they said the account was closed and they didn't have any details and to contact BCW! As a result of all this I went to the CAB who rang BCW on my behalf. Once they were advised they were speaking to the CAB we were put on hold for half an hour never to be answered again. We put the phone down and this time I rang back, confirmed my details, etc. and passed them to the CAB mid call. We were informed they had the transaction details but couldn't send them out and that they would call me back during the week and go through the transactions over the phone! This didn't happen, so I just put it on the back burner Then this week I received a letter and some text messages from Mackenzie Hall asking me to contact them about an £800 debt. Not sure whether to offer them a £200 settlement for the original debt?

ok thank you

Yes they received it the day the new letter was dated

Hi all, After some problems with debt I managed to remortgage in order to try and pay off my debts. MBNA had already sent me a letter saying they would consider an offer to settle the debt. (6k) last week in response I sent offers to all of my creditors for full and final settlement. Now two days later I have received a letter from MBNA saying they have decided to sell my debt to Link Financial Outsourcing and I will hear from them in due course No mention was made of the letter I had sent to them by recorded delivery 2 days previously I assume this new company would be delighted with any offer?

Hi all, I posted two SAR requests on 17/4/2012, one to MBNA and one to Barclaycard. Last week I received one from MBNA, so far I have received an acknowledgement from Barclaycard almost 4 weeks ago but still no information. Are they outside the 40 day period now or is it 40 working days they are allowed? Thanks

Thanks for the help. Can I claim credit card cheque fees or balance transfer fees? Here is a copy of the completed spreadsheet MBNA charges.xls