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

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

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?

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

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.

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