Won back charges but blackmarked

bobajob_1966

goodboy_now wrote: »

how do you know he looked?,would have been nice for him to comment.

You don't seriously think he cares about individuals, do you?

dunstonh

goodboy_now wrote: »

how do you know he looked?,would have been nice for him to comment.

Given the sheer volume of posts made daily and that he has TV and radio commitments, you are highly unlikely to get Martin answering your posts directly.

JuicyJesus

goodboy_now wrote: »

So back to my point,how can i be black marked for refusing to pay charges which they even wiped.I only never payed them after seeing martin lewis telling us to contest them in 07.

That was silly. Contesting them does not mean refusing to repay them. That's not Martin Lewis' fault. I don't think Martin would ever suggest to someone to leave a debt unpaid for any reason.

The default and the charges refund are seperate. The default was because your account was overdrawn, you left it and didn't pay it back. Whether this was charges or not is irrelevant, because the terms of your account would say you need to pay back any overdrawn balance on demand, and by not doing so you are in default.

The charges refund was most likely a goodwill gesture, because banks were sh*tting themselves thinking that charges were going to be held to be unfair in court. Note that this doesn't mean they refunded the charges because they were unfair. That they refunded the charges is, again, irrelevant. They may well have refunded the charges whether they'd caused an overdraft or not. The two are seperate.

In short: the default was because you defaulted. The refund has nothing to do with it. Santander have (and you can quote me on this, because I rarely ever say it) done nothing wrong.

roonaldo

goodboy_now wrote: »

Maybe martin lewis could come on here and advise me on this.

your questions have been answered.