I have a simple question ... Can a Bank do the following to me without any notice whatsoever? I did not know I was overdrawn and had a bunch of money in my other account, it would have taken me a second to transfer if I recd. a notice. All these were slapped on me on a single day. 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,050.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,075.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,100.33 31/01/2014 PAID TRANSACTION CARD PAYMENT TO xxxx £25.00 £1,125.33 31/01/2014 UNARRANGED OVERDRAFT USAGE FEE £20.00 £1,150.33 Thakns

In November we applied for a DIP for a mortgage with a "soft" credit history search and surprisingly it was declined. naturally we checked our credit history and found 2 things, firstly Experian could not find my records as Flat 8 is recorded as Flat 5-16 at the Royal Mail and secondly I have a string of missed payment marks with a closed Santander account which was unexpected. I applied for a different more expensive mortgage DIP with a "soft" credit check and got it and started looking for a property. In the meantime I sorted out the address issue with Experian and then looked into why I have 7 or so missed payments with Santander. This was a student account with an interest free overdraft and on occasions Santander decided to charge me interest which put me into unauthorised overdraft around 7 times over the space of 2 years. At the time I had all interest charges and fees refunded and thought nothing of it other than it was time to leave Abbey/Santander. in December I made a complaint with Santander and sent a letter with a table listing every missed payment mark explaining why it is incorrect. All of the dates on the credit history do not match with the events and are in some places 6 months out. Late last month I put an offer in for a house which we just could not miss out on. Best thing about the property is that the executor has applied for a probate which will take around 3 months to complete I thought I had plenty of time to sort things out with my credit history. Turns out that as of this week we have been informed the probate will probably be granted in 3 weeks and I need to proceed with the mortgage. I have been chasing Santander since I put the complaint in December and now have a direct number to my complaint handler which is great. However I get the impression that Santander are doing their best to ensure this takes as longs as possible. She keeps contacting various departments and most recently the credit history department confirmed that my credit history is correct! The dates are about 2-6 months out and all charges were refunded as it was not my fault! My complaint hander at Santander has now contacted another department, with no resolution date. As we really should should be continuing with my mortgage application I really need to get my credit history sorted ASAP. I have made Santander aware of the situation but they do not seem to be taking it seriously. Does anyone have any tips on how to talk Santander into sorting my credit history out quickly? As a cheaper mortgage is about £70 less a month this could turn into a costly issue over 2 years fixed rate. After speaking with my mortgage advisor I have been informed that the only cheaper mortgages available today for us do not do "soft" credit history searches. If Santander do not sort the credit history out I am tempted to risk applying for a cheaper mortgage now that my address issue has been resolved with Experian, but if it does get rejected it will get recorded on my credit history but I still have the valid DIP for the more expensive mortgage. Even with the missed payment marks both of us have excellent credit histories. Thanks in advance.

After dispute over the bank charges i closed my account with Abbey in 2007/8 . The last transaction being on 31/12/2007. I left with an unpaid overdraft of £1550 , which i disputed during the bank charge reclaims. I was contacted by Equidebt in 2010 asking for payment, i countered by not acknowledging the debt and stated that the overdraft was simply bank charges unlawfully imposed by the bank and that i would defend any further actions along that basis. Equidebt never proceeded any further. I have moved house since 2010 and today have had a letter from Santander thanking me for updating them with my new details i.e. coa. I have not acknowledged the letter. The account as been inactive since 31/12/2007 albeit they continued to send statements for a short while. Is this overdraft debt now statute barred ? Would it take effect from the date of my last transaction or the official date the account was closed which was sometime in the January.

Hi Guys, hopefully can get some advice on an issue I have with Santander at the moment. I have a Current Account with Santander at the moment, which had a £20 fee applied last month for being over my limit ( I dont have an overdraft, it went straight over into unarranged overdraft). I called Santander and they looked at my account, and agreed that indeed the £20 had been incorrectly penalised on my account, and refunded it. This was because im currently abroad, and the bank had incorrectly charged me 2 times for a cash withdrawl from an ATM, which resulted in me going into unauthorised overdraft. However, due to this £20 fee, I was in my unarranged overdraft for another 15 days, which totals up to another £75 in charges. This was then deducted from my account a few days ago. Im currently working in a remote village with disadvantaged children abroad, and checking my bank statements online can be a difficult task so I didnt realise there was an issue until now. I called Santander to ask them why they had deducted the £75. If they had not applied the £20 charge, I would not have been in my unarranged overdraft, and therefore would not have been charged. They admitted to a system error with the £20, and therefore it was their fault I have been in another unarraged overdraft. The woman told me that I should have checked my account and contacted them earlier and that the sum of money was now large and they would not be refunding it... Now I will be in a never-ending spiral of charges, as I currently live abroad and the money that goes into my Santander account is gone the same day it is paid due to bills and rent. Therefor I will be stuck for 15-25 days in unarranged overdraft. Do I have the right to get these charges refunded by Santander, due to the fact the £20 charge they admitted was incorrect was the cause for my other unarranged overdraft days? Also, my salary is only £400 a month at the moment, and their charges are causing me serious financial hardship. Can this be used in my favour also? Thanks

I have an address which I got off the net for the above. I have: Santander Complaints Department, Santander UK plc, Po Box 1125, Bradford, BD1 9PG Can anyone tell me if this is correct? I have written to them twice recently and got stony silence. Thanks David

Hi Used my Debenhams card to purchase a few items and statement said payment was due 15th December 2013. Hubby and I were on holiday and due to get back a week before payment was due. Unfortunately I had an accident whilst on holiday and ended up in a foreign hospital. I only got home on 15th Dec as soon as I got in I phoned customer services and explained what had happened, I asked their advice on the quickest way to pay the bill and was told that the quickest way was to pay it to them over the phone. Paid in full as I always do but received a letter today from Santander saying I owe them a late fee and in addition to that I also have to pay interest on the items even though it was paid in full. Although I made the payment to customer services on the 15th Dec and the payment due date was also the 15th Dec the actual payment hasnt shown up in their system until the 17th Dec. I am aware that technically it is a late payment and I am at fault but given the circumstances I couldn't do anything about it until I got home. To be honest I am more concerned that this could affect my credit in the future and given the circumstances don't know whether to phone and appeal or just to make the payment and get it out of the way. Any advice would be appreciated

Greetings. I used to have an old account with Santander which was closed and defaulted back in June 2008. It was done so because there ended up being a negative balance of just under £600. The reason for this negative balance was due to a few bank charges which led to more bank charges being added because the previous bank charges weren't paid. I was disputing this with them at the time I was also disputing another account which I ended up having a part refund for. I was told over the phone that the account had been closed and cleared so I thought nothing more of it. Until I checked my credit report in 2011… I noticed that all this time I had a default against my name. I sent in a letter of complaint which they said they were not in the wrong and wouldn't do anything about it, after all the effort and anger I felt towards it I just left it at that because I didn't know what else to do but wait 6 years until it dropped off.. Today I receive a letter from a debt collection agency who is working with Santander to collect the amount due on the account. I called them (the debt collectors) to find out what was going on, I advised them that there's something wrong as there should be no payment owing. They popped the account on hold whilst I spoke with santander. I called them and they mentioned that according to their systems the only letter of complaint they can see was back in 2011 with regards to the default but not one previous, even though they see a refund on my currently used account back in 2008. So according to them I still owe this money for these bank charges that were applied to my closed account from nearly 6 years ago. I'm not entirely sure what to do because it's pretty ridiculous. Defaulting my name due to rolling bank charges which I was told that it was cleared. I just wish I had a letter stating this but it was mentioned over the phone I remember as I was quite relieved and happy at the time, was a nice weight off. So I'm not too sure what to do now, I still dispute this and I won't pay them a penny… I also know that if I do as I believe its not a full 6 years yet the default will reset. Does anyone have any advice on this? Many thanks for your time Jason

hi everyone , when you could claim your charges back from your bank I sent in my request to do so but due to the court hearing in 2009 everything changed so I didn't pursue it . ive received a letter today from Santander saying they handing my account over to robinson way . Santander closed my account years ago and I have not made any activity with the account since 2007 and that was only to try and claim my charges back. the question I am asking is , is this debt statued barred , should I try and retrieve the charges again. any help would be appreciated

The following has just arrived. This is about an O/D which includes loads of bank charges.

Hi Guys, I am typing this in a state of frustration after being on the phone to someone at Santander and them being not helpful at all. I am incurring charges month in month out with Santander if its not one thing its another. Today has pushed me over the edge as I had a credit of £100 put into my account by a friend which was taken due to the account being overdrawn due to 2x UNARRANGED OVERDRAFT USAGE FEE of £100 and £50. I have tried to be careful this month and was surprised to see these charges, then I was advised these charges are from last month. This now pushes me into the red again which means I can expect more of the same next month. Santander are charging me every month if its not for UNARRANGED OVERDRAFT USAGE FEE its for Failed direct debits etc (which I have now cancelled). I understand it may be my fault that I go overdrawn but I feel like they are keeping me in the red and I feel these charges are unfair. The advisors on the phone just keep telling me I had charges waivered 1.5 years ago and thats all they do as a goodwill gesture and the charges are outlined in my terms and conditions. Is there no way for me to fight these charges? today has really tipped me over the edge with Santander.

Hi i am after some help with this issue, i received a letter telling me that i was one of the mortgage people that had been unfairly capped, Santander said they would be in touch between July and Autumn, i have recently had a letter telling me that because i was in arrears with my mortgage in 2008 i would not have been able to move to another company, so i am not entitled to any compensation,

I currently have a Wonga loan that I am having financial difficulties in paying back. So I contacted Halifax and Santander to inform them to cancel the CPA that was attached to my accounts. Halifax haven't got back to me yet, but Santander have. Here is the relevant text as below: I note from your letter dated 29 October 2013 that you have instructed Santander to stop any payments to Wonga from leaving your account. I would like to explain that in order for Santander to place a stop of a debit card payment we require a minimum of 24 hours notice, the exact amount of the payment, the date the payment is due to debit the account and the merchant's name. If any of these details change we cannot guarantee to stop the payment as we are unable to 'block' a debit from an individual merchant, we can only try and block a payment for a specific amount. I can confirm that Santander are currently looking at ways to improve their service as recurring debit card transactions are becoming a problem for many customer's. In the meantime, we do recomment that customer's attempt to cancel any subscriptioon they have entered into with a merchant while also contacting us to try and block the payments. I would therefore request that you contact your customer services department with the information required to stop any further dated card payments to Wonga. I hope I have explained the reason for my decision and that is offers a fair resolution to the issue you have raised. (Who are they trying to kid!) I couldn't have made more clearer that I wished to cancel the CPA when I wrote to them. Shall I send another letter back quoting the regulations of the Payments Services Regulations 2009 in more detail? Also, I'm definitly asking for compensation for dealing with the matter on this one as well.

Hi Everyone I ve had a lot of charges from this bank I get 2 sets 1 for not having enough funds 25.00 and the other for going overdrawn another 25.00 I always clear them and move on and wait till the next lot . But today I got so upset I received my son s DLA Payment into bank bought some Christmas presents off my card today lovely then this morning I go to upload his dinner money it was declined . I log into internet banking to find the bank have taken a total of 150.00 in charges . I only cleared my account last week of 149.00 of charges . Im just so angry they took my sons DLA money its not my money they ve taken Im so worried that the Christmas items are either not going to arrive or my account is going to further overdrawn and im going to incur more charges which I simply cannot afford , My husband is currently not working and with being self employed no work means no wages im so stressed out with this bank Kymmie

Hi all I have been going through many posts on this site but was hoping that someone could give me their opinion on the following. I took at a personal unsecured loan back in April 2005 with A&L, over a 4 year period, which I had PPI on. I wrote to Santander advising that I believed that they mis-sold the PPI to me over the phone. They have just responded declining my claim stating the following: Santander undertook a customer contact exercise for customers who purchased A&L PPI via the telephone between 14 January 2005 & 31 December 2007. This exercise took place between January 2009 and October 2009 where we wrote to you at ***** for loan account *****. T he purpose was to advise that we had identified problems with the sales of some PPI products and that depending on your circumstances that you might be entitled to a refund. In order to investigate this possibility we requested that you contact us on the telephone number provided in our letter or write to us using the pre paid envelope we enclosed. As you did not respond to the letter, we sent you a follow up letter, enclosing a copy of the original letter, advising that if we did not hear back from you within 14 days we would consider the matter closed. For your reference, i have enclosed template copies of both the letters you would have received. Our records show that you chose not to register any complaint following either letter. The FCA (previously FSA), who regulate Santander, allow us to place a reasonable time limit on when we will accept complaints from customers we have written to advising that they may have been mis-sold and notifying them of what they need to do next in order for us to assess if any compensation is due. This is known as "time bar" and means that you can only complain about the sale of a policy if you do so within 6 years of the sale of your policy, or, if later, 3 years from the date of our letter sent to you. I am satisfied that 3 years have elapsed since we wrote to you in which you had the opportunity to decide whether or not you had any concerns over the way in which your PPI was sold, a nd to make a complaint about it, therefore your complaint is now time barred. I was going to respond stating that I am not happy with their decision but just wanted to run this by you guys to make sure what I am saying is correct: 1. I did not receive the letters that they state they sent to me between January & October 2009. The copy letters that they have provided do not have an address on or any of my loan details, they are merely templates. Can I state that this is not proof that they sent these letters to me unless they can provide actual evidence of the original letters and also the dates posted? The loan finished in April 2009 and I moved out of that address in September 2009 - if they sent the letters in September or October that year then I would not have received them. 2. They are stating that my claim is "time barred" so I am assuming they are referring to the Limitations Act and they say that I can not claim if 6 years have passed since the sale of my policy. Am I right in saying that the Limitations Act on time barring is 6 years after the last payment made (last payment date being April 2009) and not from the date of sale (April 2005)? 3. If point 2 is 6 years from the sale date then am I right in saying that as I did not receive the letters they "sent" in 2009 then I have 3 years from the time that I became aware of the mis-selling? That being 3 years from now and not from the date of the letters? 4. I take it that the wording in their reply also confirms that I did have PPI as I do not have any paperwork? Sorry for it being sooo long but hope someone can help! Many Thanks

Evening all Had some bad news that santander have placed a late payment on my loan that was paid over the phone 2 days late I rang the in arrears line which now might not of been the best idea I received a letter on the 11th saying my account was overdue but payment was made on 7th can a company really cause you so much trouble for being 2 days late what can I do your help will be appreciated! Matthew

Hi, New to the site so please bear with me while I find my way around. Having some major issues with Santander cards & would appreciate some advice. My question is this: Can someone advise me as to when a letter of intention to file a default is sent "along with" a formal default notice, should the "actual default notice" still be fully compliant with the consumer credit act & contain all the prescribed terms?

I owe santander just over £3000 on a credit card but have recently lost my job so I phoned them last friday and a woman said I could pay £5 by a certain date every month. The call did seem a bit rushed and the payment amount and date did seem to plucked out of thin air but I thought fair enough as I can afford that until I get a job so I agreed and the initial £5 payment was processed from my santander current account. I got a call tonight from a man at Santander stating the amount I owed and if I was willing to make a payment. I explained what had happened a few days ago and he seemed confused and apologised for me being misinformed as he put it. He then explained everything she had said and I had agreed to was not the way they dealt with payment plans. He said he will send me an income and expenditure form and then they will decide if we can come to some sort of agreement. He also stated he will have to contact someone else as the £5 has left my account but they haven't received it. I'm a bit annoyed because I was happy with the original arrangement and thought it was now sorted. Should I make a complaint as I'm worried they'll demand more and £5 is all I can really afford at the moment.

Hi I have received a default notice from Santander for a vehicle HP agreement. They say I owe just over £850.which is a little more than I thought I owed, I thought I owed just under 3 months (which is still a lot) so they have also added some charges to the account that are within the default notice. I am a student and agreed a date to repay my arrears with them at the end of the Summer break when I should have accumulated some money. ( I did some self employed work this summer and I should have been paid by another company for the work I did but they still have not sent payment - I may have to take these to court) So as I have not been paid then I have not been able to settle the arrears with Santander. The Hp agreement is almost finished. I have had it about 4 and half years. The default notice states that... Total amount payable = £16,828 I have paid to date = £15,243.25 Amount outstanding = £1684.75 They say the arrears are £851.45 and I must pay this by 27/11/13 I don't know how true the above figures are and I suspect the £851.45 to contain some charges. Please advise on the best way to proceed here. I don't have £850 (well £850 minus whatever charges they have added as they are not getting them from me) to give them until I am paid for the work I did in the summer I have been expecting the default notice to come but its still a shock when it does and I feel sick with worry that I have paid £15k and I could soon be without a car

Hello, can anyone help me Last year i opened a Santander current account and arranged with them to transfer all by direct debits etc. from my Lloyds account. Unfortunately the direct debits were not set up in time. My wages were paid into Santander and my direct debits started to go out from LLoyds. I was quick to react and took all of my money from Santander and put it back into Lloyds. I decided to stay with Lloyds, arranged for my wages to be paid into Lloyds as before and thought nothing more of Santander. My balance was zero Around this time i split up with my wife and moved home and had no contact with Santander again. Recently i looked at my credit file and found that somehow i owed Santander £465 for bank charges and my file shows 6 late payments and default! I was shocked to say the least. I spoke to Santander and they informed me that they were charges for not depositing the minimum amount each month! I could understand if i had made my account go overdrawn but how can a bank charge me for not using my account!!? Please help my credit score is in tatters:-x

Hi, I've made a F&F offer of 25% to Santander but all they wrote back to me was for me to fill in a income/expenditure form and asking me to let them know about the other debts I have and how much I am offering them. Is this legal? I feel that if I say no then I won't get any further with them. This might be just a generic letter as I have been in a DMP with the for 4 years. Should I just offer them again? I have nothing in particular to hide but I don't want that info to be used against me.

I had a conversation with this bank today and was told clearly that salary and benefits payments are not actually credited to your account until 5pm on the day of arrival . That means that even if is available at midnight its not actually there for 17 hours.During that time they will return cheques/direct debits etc if cleared funds are not available. How and why?????

hi im having serious financial difficulties i want to write to santander about but i cant find address anywhere i have 5k loan and overdrawn current acc with them thanks

I will start by apologising for the long post but I really hope someone can give me some advice please? I recently called Santander to make a payment on my account and was informed that I was unable to pay as the debt as it had been transferred to a Debt Collection Agency. This came as a complete shock as I have been paying it. I wrote to the bank and complained that this was an unfair decision and requested it was looked into. They wrote back and said it was being investigated, during this time I received 3 DCA letters (Fredrickson) and hounded by telephone calls (which I haven’t answered). I wrote again to Santander to add some additional information to support my original letter. (below) I have been experiencing severe financial difficulties over past months due to changes in my circumstances (job loss and erratic payments) and on numerous occasions telephoned Santander to inform them of my difficulties. During this time I have made every effort to meet my payment obligations and feel I have done this to the best of my ability. In November 2012 I telephoned, as usual, to make a payment and was told by the operator that I could make payments online instead of having to telephone each month. In December I decided to do just this. Since then I have made the following payments using Santander Bill Pay. Mandate xxx Account Number: xxxxxxxx Payment Reference: xxxxxxxxx Payments and dates: 19/12/12 - £55 29/01/13 - £55 12/02/13 £329 – This sum was paid in error, when I telephoned to request that it was refunded as it was an error and an overpayment of £274 I was told it wasn’t possible and that I should be more careful! These unhelpful actions made me overdrawn and incur further charges. 26/03/13 - £55 01/05/13 - £55 04/06/13 - £55 23/07/13 - £55 When I telephoned in September to make a payment for August and September 2013, I was told I was over £500 in arrears (7 payments); in fact this amount should have been £110 (2 payments). I was then informed that no further payment could be made on this account as it had been passed to a Debt Collection Agency. As you can see from this list, all payments have been made and I therefore cannot understand why you have made this decision? I request that you check all of your records against the stated transactions and provide me with a valid reason as to why this account has been passed to a Debt Collection Agency when payments have always been made. I will seek further advice on this matter if a satisfactory conclusion isn’t reached as I do not feel I have been treated fairly as a customer of Santander UK PLC. I also kindly request that you contact Fredrickson, your Debt Collection Agency, and request that they cease all contact with me as this account is in dispute and no monies will be paid. I look forward to your reply. Yours sincerely Electronic signature. I also sent a letter to Fred :- To whom it may concern This account is in dispute. Complaints are being investigated by Santander and until this is resolved I request that you cease all contact with me as no monies will be paid to you. If you have any issues with this I suggest that you contact Santander. Please do not contact me again. Yours faithfully Electronic signature. To date I have not heard back from Santander (initial letter sent 18th September ) but this morning I have received another letter from Fred – CONFIRMED RESIDENT - Contact us now to arrange payment or the account will be passed to solicitors to consider legal enforcement without further notice. Please could anyone advise me on what I should do now – it seems no-one will listen to me? I have not defaulted (well only one payment but that is what I was calling for initially, pay the two months owed) and I feel this is unnecessary action from Santander. Thanks in advance.

I just had a letter 10 mins ago from Santander to say they are offering me £2340 ppi on my overdraft, which I wasn't even aware they were taking til last month. WIN! But on reading further down the letter (dated 24th September and sent 2nd class post) they will deduct 20% of the interest, £132.50. due to new tax laws which came in to force on 1st August. The letter states that if I accepted this offer before 1st October I wouldn't have to pay the tax. So how could I accept it if the offer was only received today because it was sent 2nd class post? I rang the ppi complaints team about it and was told that as it would have taken 14 days after the acceptance was received to make the payment this wouldn't matter anyway as it would have passed the cutoff date. Very sorry, blah blah blah. But that's not what the letter says. It is if my acceptance was received after 1st October, not payment made. So should I fight this or what?

I have or had car finance through Santander where I paid monthly for 3 years then have the choice of giving back the car, exchanging it for a new one or paying £3-4k to owe the car outright. Due to a few problems, I missed a couple of months payments. Contacted Santander and made a partial payment. After that, they took no further monthly payments due to being in arrears so the arrears increased. Due to my own stupidity and factors in my life, this eventually increased to five missed payments or just over £1500 with charges. At the end of August / beginning of September, a couple of phonecalls were received from a company in Sheffield called Bluestone. Had to Google them as I had never heard of them. As I won't speak to or give out any information to random people phoning up, I had no idea who they were or what they wanted. Midway through September, I received a letter from Santander, dated 2nd September, than was nothing more than a statement and said I'd been charged £25 or similar for missing a payment and my arreas were over £1500. Contacted them using the 0845 number on their letter, which after 10 secs of silence, gave a BT recorded message saying the number had not been recognised. Took an hour after that of going through automated systems that wanted hundreds of key presses, account numbers I never had etc before I was able to speak to someone. They informed me the account had been sold on to Bluestone. Neither party had at any point bothered to inform me in writing of this. I tried to make a payment but Santader refused point blank and said I had to contact Bluestone as it was nothing to do with them anymore even though they had sent a letter after Bluestone had contacted me. The following afternoon, an agent from Bluestone arrived at my parents house (where I am residing at present) whilst I was at work and left a note saying to contact him about car finance. A few days later, he returned again whilst I was at work. On contacting him, he said that he was acting on Bluestone's behalf and needed to meet face-to-face to discuss matters. Nothing could be put into writing as he would only see me personally. Due to my working hours, he could only see me during the times I was at work (not actually at my workplace but somewhere like home). He did mention 12pm on the 1st October, which whilst not great for me, may be do able if my work commitments allowed. At 8:20am the following 3 days, Bluestone were ringing me up. The first time they had no record of me speaking to the person but then it suddenly appeared on their systems. The following day "no we haven't spoken to you before" etc. I then sent off the letter requesting they do not telephone me and respond in writing only. Yesterday, he turned up again, apparently at the request of Bluestone, once again whilst I was at work and left another letter which caused more embrasssment. I contacted him this morning and the same thing. He had to see me face-to-face, couldn't get to me until 12-1pm at the earliest and I even tried to compromise by saying that I would come to the Sheffield office etc (he apparently has things to do in the morning, works from home in Chesterfield which is just down the road from Sheffield, and would have had to collect things together first). As we couldn't reach a compromise, he said he would contact the office and get back to me shortly. A few minutes later, he was back on the phone saying that the office were due to start legal proceedings as of Monday and were drafting a response to my letter. Any ideas what to expect or to do?