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Old 04-10-2010   #1
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Me & Santander

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!!
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Old 04-10-2010   #2
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Re: Me & Santander

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.
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Old 04-10-2010   #3
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Re: Me & Santander

Quote Originally Posted by ChrisUK View Post
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
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Old 04-10-2010   #4
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Re: Me & Santander

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
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Last edited by herpsuk; 04-10-2010 at 13:13.
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Old 04-10-2010   #5
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Re: Me & Santander

Quote Originally Posted by herpsuk View Post
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
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Old 04-10-2010   #6
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Re: Me & Santander

Quote Originally Posted by AlexR View Post
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!
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Old 04-10-2010   #7
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Re: Me & Santander

They probably will refund you considering you banking history but that will be your last chance lol.
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Old 04-10-2010   #8
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Re: Me & Santander

Quote Originally Posted by ChrisUK View Post
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
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Old 04-10-2010   #9
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Re: Me & Santander

Quote Originally Posted by herpsuk View Post
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 .

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
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Old 04-10-2010   #10
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Re: Me & Santander

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.

Quote Originally Posted by ChrisUK View Post
I've just moved to Santander

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.
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Old 04-10-2010   #11
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Re: Me & Santander

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!
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Old 04-10-2010   #12
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Re: Me & Santander

Quote Originally Posted by AlexR View Post
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
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Old 04-10-2010   #13
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Re: Me & Santander

Quote Originally Posted by herpsuk View Post
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 .
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Old 04-10-2010   #14
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Re: Me & Santander

Quote Originally Posted by ChrisUK View Post
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 .
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
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Old 04-10-2010   #15
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Re: Me & Santander

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

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