Santander Unarranged Overdraft Charge - Will not refund

[gregpicard]

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

[dx100uk]

look at and click the BCOBS

 

goto the blue RBS charges link there

 

satans bank have to our knowledge carried this out and refunded several times

 

dx