Severe mental health issues & reclaiming bank charges

[sammy990]

I have been living on incapacity benefit and disability living allowance for a number of years due to severe mental health issues

I am currently being hit with around £80 worth of charges from Santander at least every 2 months, sometimes I am being charged £25 for going overdrawn by 99p

It has been going on for a few years and due to my mental health problems have just been letting it happen as I didn't know anything could be done about it

I recently found a forum on Money Saving Expert and was amazed to find I could reclaim this money, so have requested the last 6 years of charges list

Fingers crossed, if i research enough and know what I'm talking about I might be successful!

I was hoping someone might have experience of financial hardship claims with mental health issues as grounds for a refund

This month its £75, being on benefits that's a large chunk of my money

I feel like I've really been taken advantage of as a 'vulnerable' adult (I hate calling myself that, but quite obviously I am)

If anyone has any advice I would really appreciate it

Thank you in advance!

[slick132]

Hi Sammy,

 

Welcome to CAG and sorry your post went unanswered but this forum here is less busy than many others, so can sometimes be overlooked.

 

Can you tell us if you have informed the bank in writing at any time in the past about your difficulties.

 

If not in writing, maybe you have told members of staff at your branch, or someone else has told them of your issues.