Santander seem to have stolen my money. What's going on?

pmduk

You can make a formal complaint about their failure to notify you of the overdraft's cancellation in a timely manner. Most banks take a dim view of overdrawn accounts that do not see any credits.

Ben8282

Rather than wait for an e-mail why don't you call them and ask them?

Ben8282

nanasuze1952 wrote: »

okay on the 31st of august just over 2 weeks ago my Mick tried to pay for something on line his card was refused I went on to on line banking to see why what I saw shocked me ..he was 600 pounds in the red as he only has a 250 authorised overdraft that made him seriously overdrawn on further investigation I saw that they had TAKEN £1000 pounds out of his account with the explanation "CHEQUE ADJUSTMENT" as no further explanation was available we went first to our local branch where they told us it related to a cheque that was paid in at the beginning of May and thats all that they could tell us and refered us to the main branch ...we were at the main branch for almost 2 hours the manager there tried her best to get to the bottom of this matter and in the end to stop us being in an unotherised overdraft suggested that we transfer our savings which were 400 odd quid to the main account meaning that although we were still into the overdraft it was at least authorised as it was a friday afternoon there was nothing else we could do but wait until monday when we hoped things would be put right ... well monday came we rang an 0845 number ...no explanation tuesday ,wednesday thursday the same ringing up to 3 or4 times a day ...then on Friday a letter arrived saying dear Mr Hartford (not the correct spelling of his name )thank you for your recent query in relation to the debit on your account for the value of £1000.00on the 30/08/12 i can confirm that due to an administrive error this cheque was credited to your account by mistake this was identified through our internal control process and corrected by debiting the payment from your account I wouls like to apologisefor any inconvenianceand can assure you that this is an isolated example for which we have stringent measures in place to correct yours sincerely...signed by a scribble no name ...the latest is that they needed the cheque number we got it and the sort code which we couldnt get so we are in stale mate one thousand pounds down

If the value of this cheque was credited to your account in error then they are within their rights to re-debit it. If you had an extra £1000 appear in your account, you should have questioned it at the time ...... not just spent it.

And why should they have asked you for the cheque number?

Did you sign up for the forum just to post this nonsense?

Ben8282

castle33 wrote: »

they never told me they were going to cancel my overdraft!!!!! As far as they knew, I'm an unemployed graduate with no job and no income!!!!! Any help would be appreciated, I'm pretty distraught.

I wonder why your overdraft was cancelled???????

pmduk

As far as they knew, I'm an unemployed graduate with no job and no income!!!!!

I reckon that if they believed that you wouldn't have got an overdraft ever!

Nobody could ever accuse me of being a Santander fan, but you need to consider your own part in this debacle.

Nine_Lives

Honestly, why was there any need for this to be bumped? Couldn't a new thread just have been made?!