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  • FIRST POST
    • pauly48
    • By pauly48 23rd Sep 17, 3:31 AM
    • 4Posts
    • 0Thanks
    pauly48
    bank charges
    • #1
    • 23rd Sep 17, 3:31 AM
    bank charges 23rd Sep 17 at 3:31 AM
    i rang santander about my account as it was £153.45 in arrears from 2009 the bank are saying i bought 02 top up but no money was in my account i didnt think could go over draw with it being bascic bank account .now santander have cleared the money and no default on my credit file i havent had any money dont understand what there saying really . thank you p.mcbarron
Page 1
    • zx81
    • By zx81 23rd Sep 17, 7:04 AM
    • 13,686 Posts
    • 14,151 Thanks
    zx81
    • #2
    • 23rd Sep 17, 7:04 AM
    • #2
    • 23rd Sep 17, 7:04 AM
    You can potentially go overdrawn on any account. The key is not to spend more than you have in there.
    • dunstonh
    • By dunstonh 23rd Sep 17, 10:14 AM
    • 89,852 Posts
    • 55,457 Thanks
    dunstonh
    • #3
    • 23rd Sep 17, 10:14 AM
    • #3
    • 23rd Sep 17, 10:14 AM
    didnt think could go over draw with it being bascic bank account
    Yes you can. For example, if you wrote a cheque with a guarantee card then the bank would have to pay it even if you had nothing. Or you did a card payment below the floor limit for checking balances. Or where a larger transaction takes longer to arrive than the earmark remains on the account.

    It is not the role of the bank to control your spending. If is your responsibility. That means understanding what you have in your account and what you have spent even if it hasnt come off the bank account yet.
    • Mersey
    • By Mersey 23rd Sep 17, 3:33 PM
    • 1,575 Posts
    • 763 Thanks
    Mersey
    • #4
    • 23rd Sep 17, 3:33 PM
    • #4
    • 23rd Sep 17, 3:33 PM
    i rang santander about my account as it was £153.45 in arrears from 2009 the bank are saying i bought 02 top up but no money was in my account i didnt think could go over draw with it being bascic bank account .now santander have cleared the money and no default on my credit file i havent had any money dont understand what there saying really . thank you p.mcbarron
    Originally posted by pauly48


    That seems a large amount just for a mobile top up (even with bank charges - although possible with interest).


    Errors on credit files do occur, so you can ask to check this if you believe it's wrongly attributed to your account. AFAIK only customers who have requested specific credit limits or had bad credit in the past will enable the bank to refuse any eg online or telephone top up which would take you below a Nil balance in your current account. Many banks and accounts have a small leeway of £10+ in order to avoid charges and interest.
    Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.
    • pauly48
    • By pauly48 25th Sep 17, 2:32 PM
    • 4 Posts
    • 0 Thanks
    pauly48
    • #5
    • 25th Sep 17, 2:32 PM
    bank charges
    • #5
    • 25th Sep 17, 2:32 PM
    yes i had just a normal bank account so wouldnt of tryed to pay for somethink i didnt get any where really on phone to santander i had to leave the bank bk in 2009 as my benfit at time went in there no i payed some bank charges never got all bk and the £153 i think is what it has got to over the years for being over drawn there had closed my account was really wanted to no if i can claim anythink bk of the bank thank you p.mcbarron
    • -taff
    • By -taff 25th Sep 17, 5:44 PM
    • 7,449 Posts
    • 4,898 Thanks
    -taff
    • #6
    • 25th Sep 17, 5:44 PM
    • #6
    • 25th Sep 17, 5:44 PM
    No you can't.
    But you can ask them t waive the interest applied and pay it off
    • pauly48
    • By pauly48 4th Oct 17, 8:00 AM
    • 4 Posts
    • 0 Thanks
    pauly48
    • #7
    • 4th Oct 17, 8:00 AM
    • #7
    • 4th Oct 17, 8:00 AM
    i am trying to find out if i can get any money bk from santander as i no didnt get any bank charges bk the £153.45p must be insterst added on for being overdrawn as a payment went out for £10 to 02
    • zx81
    • By zx81 4th Oct 17, 8:06 AM
    • 13,686 Posts
    • 14,151 Thanks
    zx81
    • #8
    • 4th Oct 17, 8:06 AM
    • #8
    • 4th Oct 17, 8:06 AM
    This thread appears to be going in circles.

    See post 6.
    • societys child
    • By societys child 4th Oct 17, 9:58 AM
    • 4,684 Posts
    • 5,053 Thanks
    societys child
    • #9
    • 4th Oct 17, 9:58 AM
    • #9
    • 4th Oct 17, 9:58 AM
    the £153.45p must be insterst added on for being overdrawn as a payment went out for £10 to 02
    That's exactly how it works, you borrow money, you pay interest. The longer you borrow, the more interest you pay. Have you phoned them?

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