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Santander Paid Item Fees - £25!

lewman
lewman Posts: 1 Newbie
in Reclaim bank & credit card charges
Morning all,

I have been a customer for 5 years with AL and have never gone over my arranged overdraft before.

I logged into my online account today. I noticed there was a pending charges link, so I clicked on it. To my surprise i saw nearly £150 of pending charges.

I have an arranged overdraft of £750. Unfortuantly I went over this for 3 days (really didn't know!) resulting in a £20.50 unarranged overdraft fee, and x5 £25 paid item fees. The values of the transactions were only £10 each! So for buying a £9.99 pizza I am paying a £25 charge!

I have phones CS and they said they can drop one of the fees, but this still leaves me with £125 of fees to pay out.

Has anyone else been in a similar situation. Any advise on what i can do to not pay such an extortinate amount out?

-thanks,

Lewman

Comments

  • sharpy2010
    sharpy2010 Posts: 2,471 Forumite
    lewman wrote: »
    Any advise on what i can do to not pay such an extortinate amount out?

    Yes, don't order pizzas when you've got no money.
  • skintandscared_2
    skintandscared_2 Posts: 2,781 Forumite
    I have a spreadsheet of all my direct debits so once I put in my pay for that month it shows me exactly how much I have left to spend. It helps to keep track of what's left!

    Does your bank do text alerts? I'm with Lloyds and if I get to within about £30 of £0 (I have no overdraft) I get a text warning me. I then have until 3pm that day to get funds into my account, if necessary.

    You need to learn to keep a better watch on your spending!!
    DMP Mutual Support Thread member 244
    Quit smoking 13/05/2013
    Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go :o
  • dunstonh
    dunstonh Posts: 120,308 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Any advise on what i can do to not pay such an extortinate amount out?

    The only advise available is to not make the same mistake again and learn to control your monitor your finances.

    If you did that then you would not incur these charges as you would know how much you have spent and how much you have available.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    sharpy2010 wrote: »
    Yes, don't order pizzas when you've got no money.

    You must be bored!

    This post was made by a brand new user (account ;)) almost 9 months ago :eek:

    The user has failed to return after their inaugral post. I don't think they'll be too interested now ;)
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • sharpy2010
    sharpy2010 Posts: 2,471 Forumite
    Premier wrote: »
    You must be bored!

    This post was made by a brand new user (account ;)) almost 9 months ago :eek:

    The user has failed to return after their inaugral post. I don't think they'll be too interested now ;)

    Its fair to say, I WAS bored on that particular night!
This discussion has been closed.
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