A bit more advice please

Dougie1308

Hi all,

Having trouble with CC also overdraft, basically i have a £1050 OD with Sandanter, and my take home pay is £1150 approx, all my priority debts are payed on time, but a couple of others dont get payed till the begining of the next month, and im talking about £30 in total but i seem to be getting charged around £75 per mnth in fees. I have yesterday opened up a new acc with an unconnected BS. What i would like advice about is when i get my wages payed into my new acc do i tell Santander or wait for them to send the threatening letters, do i tell them how much i can afford to pay them back, plus ask them to freeze interest, and how soon do i try to reclaim charges due to their charges causing me extreme hardship ?

Many thanks for your help
Dougie
PS I have moved this thread from the bank reclaiming forum after some good advice on there, thanks

RAS

Hi

CAn we check?

Do you put your take home pay into your Santander account, where the OD is?

Dougie1308

Hi and thanks, yes i do have my wages paid in to Santander at the moment.

RAS

Ok

So the first thing you need to do is to open yourself a new basic bank account with a company that has no relationship with Santander, and to move your salary into this pronto. Otherwise, they can legally off-set your income against you OD.

themull1

RAS wrote: »

Ok

So the first thing you need to do is to open yourself a new basic bank account with a company that has no relationship with Santander, and to move your salary into this pronto. Otherwise, they can legally off-set your income against you OD.

Did they not say this in their opening paragraph?

Dougie1308

I did, lol, but no problem !