Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Arnie91
    • By Arnie91 16th Jul 17, 8:47 PM
    • 13Posts
    • 0Thanks
    Arnie91
    Problems with Santander.. The saga begins
    • #1
    • 16th Jul 17, 8:47 PM
    Problems with Santander.. The saga begins 16th Jul 17 at 8:47 PM
    I sent a request to santander's data protection team after finding the address online but being told on the phone that no such office exists (thats going to be gold in court, i record all my phone calls).

    I got a letter back from santander today stating that they were unable to issue an individual list of fees and charges from an account. However, they could confirm any fees/charged insuured on a monthly statement and that copies would be requested.

    Hilarious, they didnt mention it would cost money per copy.

    What would be the best way to proceed? Send them an intention to take them to small claims court?
Page 1
    • zx81
    • By zx81 16th Jul 17, 8:52 PM
    • 13,181 Posts
    • 13,492 Thanks
    zx81
    • #2
    • 16th Jul 17, 8:52 PM
    • #2
    • 16th Jul 17, 8:52 PM
    No idea what any of that means.

    Let's start again. What are you trying to achieve here?
    • -taff
    • By -taff 16th Jul 17, 9:31 PM
    • 7,340 Posts
    • 4,759 Thanks
    -taff
    • #3
    • 16th Jul 17, 9:31 PM
    • #3
    • 16th Jul 17, 9:31 PM
    So we don't know what you're intending to complain about but you're already talking about taking them to court.

    And hilariously, why do you think they would provide you with info without charging you for it? They are a business, not a charity.
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 9:41 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    • #4
    • 16th Jul 17, 9:41 PM
    • #4
    • 16th Jul 17, 9:41 PM

    Hilarious, they didnt mention it would cost money per copy.

    What would be the best way to proceed? Send them an intention to take them to small claims court?
    Originally posted by Arnie91
    You want to take them to court for charging you for copies of statements?
    • Arnie91
    • By Arnie91 16th Jul 17, 10:04 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    • #5
    • 16th Jul 17, 10:04 PM
    • #5
    • 16th Jul 17, 10:04 PM
    Sorry I thought it would be a bit clearer seeing as im posting in the reclaim charges section..

    Im trying to recover a substantial amount of charged for being overdrawn 0p to £15 in the past 6 years or more if I can, which santander have charged me £25 each occurance, with in some cases them charging me £75 for direct debts bouncing while I was struggling at university.
    • Arnie91
    • By Arnie91 16th Jul 17, 10:09 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    • #6
    • 16th Jul 17, 10:09 PM
    • #6
    • 16th Jul 17, 10:09 PM
    According to this forum and various guides online. Requesting a list of charges, different to a copy of a statement, is not chargeable. Copies of statements are supposedly £10 per copy with admin charges, which is why numerous guides state to avoid asking for copies of bank statements, and request specific lists of charges to your account.
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 10:09 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    • #7
    • 16th Jul 17, 10:09 PM
    • #7
    • 16th Jul 17, 10:09 PM
    Since the Banks won their court case regarding Charges in 2009, you are a little late to the party.
    • Arnie91
    • By Arnie91 16th Jul 17, 10:17 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    • #8
    • 16th Jul 17, 10:17 PM
    • #8
    • 16th Jul 17, 10:17 PM
    Are there still grounds for claiming back under financial hardship back then, or now?
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 10:20 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    • #9
    • 16th Jul 17, 10:20 PM
    • #9
    • 16th Jul 17, 10:20 PM
    Since any refund will be goodwill, I'd moderate your tone in any complaint...
    • Arnie91
    • By Arnie91 16th Jul 17, 10:23 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    Fair enough.

    It's sad because I struggled to make ends meet during university, even being made homeless and had to use food banks because I had direct debits bouncing and was charged in one case £75 in total for going over 0.08p. I probably paid thousands in charged. Just wondering If I could try and get this back as I see people still have some success.
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 10:27 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    Since you no longer appear to be in the bank's definition of CURRENT financial hardship. I fear even a goodwill gesture is unlikely, Even acknowledged hardship cases typically refund only the last six months of charges, certainly not the last six years..
    • dunstonh
    • By dunstonh 16th Jul 17, 10:28 PM
    • 89,483 Posts
    • 54,948 Thanks
    dunstonh
    I got a letter back from santander today stating that they were unable to issue an individual list of fees and charges from an account. However, they could confirm any fees/charged insuured on a monthly statement and that copies would be requested.
    A DSAR has no requirement to itemise things. So, their response seems correct.

    According to this forum and various guides online. Requesting a list of charges, different to a copy of a statement, is not chargeable.
    Have you got a link to that as I suspect you are misreading it? Although, it is also not uncommon for the site guides to be misleading or simplified. Under the data protection act, they are not required and will not provide you with an itemised list free of charge. They will supply the data in the format they have it displayed (such as bank statements).

    However, you do not need bank statements or need to itemise anything. With financial hardship cases, they are looking at your current situation and current hardship and they will decide the outcome. You don't get to say what they should do. Hardship responses are goodwill gestures. Not a right or a demand.

    Im trying to recover a substantial amount of charged for being overdrawn 0p to £15 in the past 6 years or more if I can, which santander have charged me £25 each occurance, with in some cases them charging me £75 for direct debts bouncing while I was struggling at university.
    And what is wrong with that?

    Since the banks won the court case in 2009, there have only been two successful cases in the courts. Both had unique circumstances (such as the account holder being locked in the interview room and not allowed to leave.

    Are there still grounds for claiming back under financial hardship back then, or now?
    Banks do consider CURRENT financial hardship cases and if you meet their criteria, then they will often consider a refund of recent charges (typically last 6 months). However, their options also include things like suspending charges for the next x months or putting you on a debt management scheme. Refund is not the only option open to them.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • Arnie91
    • By Arnie91 16th Jul 17, 10:29 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    That's a bummer. I'm not in financial hardship right now. I guess this is a separate issue but they refused to open a business account (cash only) without giving a reason, which is making my accounting difficult. Trying to move as I've paid them thousands in charges before and had a lot of income coming into my account over the past 1 year now.

    Unfortunately got treated like a lump of poo despite being very reasonable and polite on the phone.
    • Arnie91
    • By Arnie91 16th Jul 17, 10:31 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    I specifically requested that no informal overdrafts to be placed on my account. For them to block this on my account. It worked for a year or so and then some how it was enabled in 2010. Despite repeated request on the phone and being told I didn't want to let my account get overdrawn.

    They also moved me from a student account to a current account during university term without informing me and this also affected the unarranged overdraft fee.
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 10:35 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    Probably wise to move on now..
    • Arnie91
    • By Arnie91 16th Jul 17, 10:36 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    Yeah' im trying with the Co-Op. ...

    Ah well. You'd think they'd want to keep a customer that doesn't have CC's or an overdraft.
    • Moneyineptitude
    • By Moneyineptitude 16th Jul 17, 10:39 PM
    • 19,283 Posts
    • 9,387 Thanks
    Moneyineptitude
    You'd think they'd want to keep a customer that doesn't have CC's or an overdraft.
    Originally posted by Arnie91
    Regular payers with credit cards and overdrafts are the Bank's most profitable customers!
    • Arnie91
    • By Arnie91 16th Jul 17, 10:41 PM
    • 13 Posts
    • 0 Thanks
    Arnie91
    They probably get a lot more in international currency charges from me as I trade on the US stock market, so that makes up for it!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,243Posts Today

7,374Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

  • Follow Martin