reclaiming bank charges from Santander

thirdbase

I have been in the process of trying to reclaim substantial bank charges from Santander since 2007 (before the announcement of the high court test case). Recently I have referred my battle to the FOS who have written to the bank on my behalf this week. Today I got a phone call from Santander saying that they would refund 3 months worth of charges however due to the findings of the high court they would not consider the previous 6 years worth of charges and they would be sending out a letter to close the case.The ombudsman have said that I need the closure letter so that they can pursue their investigations on my behalf.I have put forward a hardship claim. I have accepted the 3 months refund on the phone so that I can get the closure letter to send to the ombudsman but I do not accept this as closure. What about the rest of the money that has been stolen from me??Any advice on what to do next???Have I jeapordised my chances of getting the rest of my money back by accepting this? Should I write back to Santander to say that I do not accept this payment after seeking furthur advice??Has anyone else been in this position??

Premier_2

Nothing has been stolen from you. If it has, report it to the police.

The FOS will only consider a reclaim of bank charges on financial hardship grounds; it's not guaranteed and any refund it suggests certainly won't go back 6 years. (about 6 months is typically the maximum)

Have a read of the MSE article on reclaiming bank charges
http://www.moneysavingexpert.com/reclaim/bank-charges

If you want to take matters further, you'll have to start your own legal claim in court
http://www.moneysavingexpert.com/reclaim/oft-bank-charges
Note that no one has yet reported any success in using this approach