Unarranged Overdraft Charges issue - Everyday Current Account

[gregpicard]

Hi everyone

 

I have a Santander Everyday Current Account, and i've got a slight issue after being hit with an overdraft charge.

 

My balance on October 1st was about £1 after payments.

 

It stayed at this figure, until October 8th, when a £7.99 payment was taken for a subscription

(would have thought this would bounce anyway, why they took it out is beyond me if i dont have an overdraft).

 

Because of this, I was then charged a £20 unarranged overdraft fee.

It is now the 19th, and the figure is still the same (I don't get paid until the 26th).

 

I'm concerned as a couple of months ago, Santander did a similar thing to me and charged me £5 per overdrawn day

and I ended up owing £100 (which they waived as part of their 'good faith first time offence' policy)

But now im worried they will charge me again for these days overdrawn.

 

My question is,

 

how can this be enforceable if it was their £20 charge that is the cause of the charges, and no fault of my own?

 

If they took a payment of over £12 from my account, as they state in their T&C's, fair enough, but it wasn't.... :

 

"You will also not pay any Unarranged Overdraft Usage Fees or Paid Transaction Fees if your Unarranged Overdraft is £12 or less"

 

Since the amount that took me into the unarranged overdraft was £7.99, does this apply?

 

Surely, if they charge me £20, it is directly Santander that will be causing me to be charged daily for being over their £12 limit?

 

I haven't yet spoken to Santander as i've only just noticed this,

but am I correct here or do they still have the right to charge me £5 a day?

 

Thanks for any assistance

[dx100uk]

I wonder if BCOBS might be an idea here.

 

satans bank are acting unfairly toward you.

 

they are known to comply with a bcobs complaint esp if you are no benefits.?

 

dx

[gregpicard]

I'm not on benefits, however I am living and working abroad on a low wage (£400 per month)

 

I've also been in discussion with payplan about a debt plan, and owe about £5000 to various other creditors. So I guess this puts me under the umbrella of 'financial hardship' ... ?

 

Thanks

[dx100uk]

yes certainly does

[gregpicard]

And just to point out, the bank obviously haven't hit me with these charges..yet. I'm just anticipating it, and hoping that I can contact them and sort it out before it happens.

[BRIGADIER2JCS]

If you have an SO or DD set up you will find that if the funds are not available you will get charged by the bank, it will be in the Ts & Cs this is what Satans bank will say.

 

Follow dx 100s advice.

[dx100uk]

is this subscription the 'free stuff' like mobile insurance that comes with the account or is it a subscription to something

outside the bank you are getting?

 

dx

[gregpicard]

No, it was a subscription to a credit report website (Not a DD, just set up on my debit card)

 

The strange thing is, my account is at £-19.10, which must mean they tried to take the amount out, didnt accept it, then charged me the £20 fee. So if thats going to cause me daily charges, I really don't think thats fair at all?

 

Thanks

[barns66]

Hi,Santander will charge you even if they refuse the request for the direct debt,just as much as if they pay,daylight robbery.

 

 

barns66

[dx100uk]

I would def try a bcobs complaint.

 

dx