Me & Santander

[x Alex x]

Don't get on.

here's the story..

few month ago been away in the tourer, realised i didn't have enough diesel in the car so i put some in on my santander card because i thought i had money in and it was worth a try, remember that 2 months prior to this the bloke in branch told me if i didn't have the funds to cover it, it would just reject the card, sale went through ok.

turns out i didn't have the money in and i got charged £25, i called the telephone banking people and explained, they said they'd cancel the charge as it was their fault for wrongly saying the card would get charged, still got charged so a heap of daft charges had mounted up which i didnt notice at the time as i don't use my bank that much. went into the branch last month, got told if i make up the money so it's £0.00 or greater he'll cancel the charge that was due to come out and it'll all be fine, my card sat on the microwave all month not being used...

got a letter the other day saying i'm getting charged another £25, i can't understand why even after speaking to them (mainly due to me being suuupperr angry) if i don't put it in by the 9th i'll get charged that and another £25 and the saga will begin.

i'd love to just pay in the £25 so nothing else comes out and open a small claims court thing online, i've never done anything like this before so i'd love some advice/help, mainly if it's actually worth it.

my auntie's an accountant but she lives quite a way from me and is always busy so i probably wont be able to get hold of her by the 9th

cheers for reading!!

 

[ChrisUK]

Nothing you can do. What you've done (although unknowingly) is basically an "unauthorised overdraft" as a result comes with the charging scheme you've described as laid out in the Terms and Conditions of the Account.

Only thing They've done wrong as far as I can see is telling you that you wouldn't be able to use the card with next to no money in. This is wrong and you can actually go up to £60 overdrawn using a Visa Debit card (Pay at Pump limit is usually £60).

Any attempt to fight the 'man' in the small claims court will be absolutely futile and will cost you a lot more money than what you've lost already.

 

[x Alex x]

Nothing you can do. What you've done (although unknowingly) is basically an "unauthorised overdraft" as a result comes with the charging scheme you've described as laid out in the Terms and Conditions of the Account.

Only thing They've done wrong as far as I can see is telling you that you wouldn't be able to use the card with next to no money in. This is wrong and you can actually go up to £60 overdrawn using a Visa Debit card (Pay at Pump limit is usually £60).

Any attempt to fight the 'man' in the small claims court will be absolutely futile and will cost you a lot more money than what you've lost already.

damn, that sucks

 

[herpsuk]

Ive just had a similar situation with my bank (natwest). Luckily i know a few people , got hold of the branch manager/directors name (the one who decides on refunds) and have written a letter. I can supply you with the letter as to give you an idea on what to write, ive been advised what to write by an Ex-Business Manager from RBS/Natwest who was quite high up.



J

 

[x Alex x]

Ive just had a similar situation with my bank (natwest). Luckily i know a few people , got hold of the branch manager/directors name (the one who decides on refunds) and have written a letter. I can supply you with the letter as to give you an idea on what to write, ive been advised what to write by an Ex-Business Manager from RBS/Natwest who was quite high up.



J

ahh great, so there could be hope it's not even like i've just opened the account, had it for 6 years!

but yeah if you could send a draft that would be great!! =D

 

[herpsuk]

ahh great, so there could be hope it's not even like i've just opened the account, had it for 6 years!

but yeah if you could send a draft that would be great!! =D

PM me your email address and ill attach it for you. If your having more problems i could always help further, i deal with banks as part of my job!

 

[ChrisUK]

They probably will refund you considering you banking history but that will be your last chance lol.

 

[herpsuk]

They probably will refund you considering you banking history but that will be your last chance lol.

Its never your last chance, its down to who you know and how you go about things

 

[ChrisUK]

Its never your last chance, its down to who you know and how you go about things

I realise there are humans at the other end but at the end of the day its Terms and Conditions you've agreed to by having an account and they can do pretty much what they want as long as they send you small print before hand :bang:.

I've had a similar fiasco with HSBC and did get a substantial amount refunded but no where near what they've taken as a result I've just moved to Santander :devil:

 

[herpsuk]

Aye they are humans but most are told to read of a script and arent commercial at all. You have to get through to the higher ups who are a bit more commercial than the others and have the powers to control what you need sorted.

I've just moved to Santander :devil:

Worst move possible. Dad is with them and they cause him absolute hell, they were voted one of the worst banks. Im with natwest and had never had problems upuntil recently.

 

[x Alex x]

cheers i'll send the PM in a min, i was barely 15 when i signed up to the account, i just hope they sort it out, that £20 i put in the car has cost about £150!

 

[herpsuk]

cheers i'll send the PM in a min, i was barely 15 when i signed up to the account, i just hope they sort it out, that £20 i put in the car has cost about £150!

Ill try to help you to the best of my ability

 

[ChrisUK]

Aye they are humans but most are told to read of a script and arent commercial at all. You have to get through to the higher ups who are a bit more commercial than the others and have the powers to control what you need sorted.




Worst move possible. Dad is with them and they cause him absolute hell, they were voted one of the worst banks. Im with natwest and had never had problems upuntil recently.

I've heard the opposite (as long as you don't go overdrawn) which *touch wood* I haven't and shouldn't in the future as its now a joint account with the missus who's paid weekly :slayer: .

 

[x Alex x]

I've heard the opposite (as long as you don't go overdrawn) which *touch wood* I haven't and shouldn't in the future as its now a joint account with the missus who's paid weekly :slayer: .

everyone i know with them has had bother, i just didn't change mine as i had that much going in and out, got £100 for changing to halifax with a massive overdraft and stuff

 

[ben]

I use the Zero One credit card with them, which is great to pay the server costs due to the no foreign transaction fees :woot:

But I'll pay it off on time .... so never had to deal with their customer support

 

[custard]

Nothing you can do. What you've done (although unknowingly) is basically an "unauthorised overdraft" as a result comes with the charging scheme you've described as laid out in the Terms and Conditions of the Account.

Only thing They've done wrong as far as I can see is telling you that you wouldn't be able to use the card with next to no money in. This is wrong and you can actually go up to £60 overdrawn using a Visa Debit card (Pay at Pump limit is usually £60).

Any attempt to fight the 'man' in the small claims court will be absolutely futile and will cost you a lot more money than what you've lost already.

there was many an end of a 5 week month the pay@pump £60 thing saved my bacon!
great way to cover those few days before pay day!

 

[x Alex x]

I use the Zero One credit card with them, which is great to pay the server costs due to the no foreign transaction fees :woot:

But I'll pay it off on time .... so never had to deal with their customer support

that's the thing, i'll probably need them soonish, all going well i'm moving abroad next year and they're probably the best for using in spain.

 

[Kier]

everyone i know with them has had bother, i just didn't change mine as i had that much going in and out, got £100 for changing to halifax with a massive overdraft and stuff

Careful with Halifax, they charge you £1 a day for using your overdraft, even if its allowed, and £5 a day if you go over your agreed overdraft.

I joined, got the £100, then noticed the small print, so opened one with Lloyds who don't charge at the moment, and when they do its only £5 for the month, rather than £28-£31.

 

[x Alex x]

Careful with Halifax, they charge you £1 a day for using your overdraft, even if its allowed, and £5 a day if you go over your agreed overdraft.

I joined, got the £100, then noticed the small print, so opened one with Lloyds who don't charge at the moment, and when they do its only £5 for the month, rather than £28-£31.

yeah mate i know cheers, i NEVER use it anyway, and it's actually free until december

 

[colin79666]

I know this is going to be controversial and let me start by making it clear that this is not a personal attack on any individual. Now the disclaimer is over...

I just don't get what the whole fuss about bank charges are. I mean if you go into an overdraft ITS NOT YOUR MONEY your spending. So why not have to pay interest/charge?

As someone who budgets carefully, has modest savings and never goes lets the account balance drop below zero it really annoys me to think that the banks are going to charge for current accounts and lower interest on savings because they cannot make money from charging people who go into unauthorised overdrafts/write bouncing cheques/fail to pay off loans.

Clearly we are all human and occasionally make mistakes/accidentally end up in an overdraft situation. Fine, but for those who repeatedly fail to organise themselves and get hit it charges I have no sympathy.