Santander, over £200 fees for £1.25OD

[c-m]

I used to bank with Alliance and Leicester and had a £100 overdraft facility.

 

I was extremely ill during February which resulted in my having a number of days off work. Losing £400 of income put me on the back foot.

 

On the 10th May i went over this limit by £1.25

On the 25th May they applied a £25 fee for exceeding the overdraft limit for 5 days.

On the 29th May they applied a £5 fee (16x£0.50 max cap £5)

On 8th June they applied a £95 fee for my exceeding the overdraft (19 days at £5 per day)

 

In April i had moved house and bank and had forgotten about this account.

 

In July they contacted me and I felt pressured into agreeing £35 per month towards this debt.

 

That however was more than i could afford to pay out each month, meaning the £35 was my only payment to them.

 

I was contacted recently and told that they have added another £100 to the debt in the form of charges. So the debt is now over £300

 

To get the woman off the phone i agreed to pay £15 per month from now on.

 

Obviously i was in the wrong, but is there any comeback here, on this? I'm not sure it's fair to charge so much for just being £1.25 over my limit.

[jdes26]

write to them and tell them the charges are disproportinate and write to OFT/FOS......... tell them you will close the account if you have to pay theses ridiculous unlawfull charges!!!!!!!!!!!!!!!!!!!!

[c-m]

When they called me at work and i initially said ok to the £35 a month agreement, they said they would stop all charges.

 

A month later when i couldn't pay thats when they added the extra £100

 

They also said that unless i came to an agreement the charges would carry on as they are unable to close the account