Nobody incl. the Santander branch manager knows how to stop the charges. CAN YOU ?

lanza

NO (the correct answer)

pinkdalek wrote: »

God help the poor bank who he or she ends up moving to then.

yes thats right blame the customer for being driven crazy by the bank that mugs him for £500 quid when he tried to make a simple transaction.

HOW idiotic is that. DO you think you would be a good analyst if you do not even attempt to untangle cause from effect ?

Are you like those Israeli's who blame the Palestinians for bombing them when if you look in the history you find it is the Israelis that slowly drove them crazy for decades in somewhat akin a manner to British on the irish ?

Sure driving people crazy then blaming those people for being crazy is a very good strategy, used all the time by complete BXXXXXDS

lanza

NO (the correct answer)

pinkdalek wrote: »

God help the poor bank who he or she ends up moving to then.

Anyway i am thanking your posts, because at least you did make some sensible contributions here. It was not all complete rubbish unlike a few others who shall remain nameless.

pinkdalek

YES of course they can stupid (and pray tell how)

lanza wrote: »

Are you like those Israeli's who blame the Palestinians for bombing them when if you look in the history you find it is the Israelis that slowly drove them crazy for decades in somewhat akin a manner to British on the irish ?

Don't really understand what you are trying to achieve with this message, I don't really understand how the victims of any conflict can be made relevant to trying to accomplish the root of your issue with Santander bank. I'm sure the families of those people who have lost their families and friends in such conflicts would be honoured that you have compared their situation to your own.

Like I said I wish you all the best with your one man crusade against the bank, good bye.

lanza

NO (the correct answer)

pinkdalek wrote: »

Don't really understand what you are trying to achieve with this message, I don't really understand how the victims of any conflict can be made relevant to trying to accomplish the root of your issue with Santander bank. I'm sure the families of those people who have lost their families and friends in such conflicts would be honoured that you have compared their situation to your own.

Like I said I wish you all the best with your one man crusade against the bank, good bye.

CLEARLY because in those conflicts the aggressors who are of a particularly nasty mindset drives one group so crazy they would want to risk their lives, blow themselves up, be jailed for life etc, then proceed to blame those who they caused to act like that for their state of mind.

THAT is the point. YOU can try to claim some moral high ground if you choose by talking of taking names in vain but it wont work with me. The comparison of an aggressor winding up a target by sanctions or whatever means, so that their target can make a wrong move for which they can them blame and label them, is valid one and is the same principle throughout all walks of life.

DevCoder

Seriously, either provide the information I stated (in which case either myself or any number of other people here who understand simple maths can help you) or quit already.

Not meaning to be rude but

1. A statement since account opening
2. The T&C and any amendments

and it's child's play.

Although Im fast running out of willingness to help as I do have other things to be doing, helping my daughter with her maths homework being one!

lanza

NO (the correct answer)

krisdorey wrote: »

Seriously, either provide the information I stated (in which case either myself or any number of other people here who understand simple maths can help you) or quit already.

Not meaning to be rude but

1. A statement since account opening
2. The T&C and any amendments

and it's child's play.

Although Im fast running out of willingness to help as I do have other things to be doing, helping my daughter with her maths homework being one!

You have been very helpful thanks. I cant get all relevant information to complete this just now, but i cut and pasted all the statements you made, which will be used to aid in deriving a systematical approach at a later date thanks.


All this is required for a court proceedings as falsification is required. i.e. What would actually have to be done to predict this situation from the data provided by the bank is the falsification of the problem itself.

DevCoder

Just last bit of advice, is the word you want justification and not falsification?

If so then please please make sure your calculations add up and thus disagree with the banks before going to court as it will get very costly. If need be then post on here with your calculations or if you dont want it public then PM people (Im happy to check things over for anyone who wants calculations checked, but I wont guarantee a reply immediately, it make take a few days).

Otherwise some accounting boffin that the bank will use to prove their figures will cost you a lot of money in court costs and other fees. At some point the bank will call your bluff and realise that the cost of defending a court action by paying one of their accounting staff to sit and calculate the charges is in favour of costs that may be awarded to you. They will take this action, I've seen it , I've done it (being the lowly guy sifitng through years of statements recalculating charges).

noizeuk

krisdorey wrote: »

Seriously, either provide the information I stated (in which case either myself or any number of other people here who understand simple maths can help you) or quit already.

Not meaning to be rude but

1. A statement since account opening
2. The T&C and any amendments

and it's child's play.

Although Im fast running out of willingness to help as I do have other things to be doing, helping my daughter with her maths homework being one!

To be fair, a full statement would not be required. A statement of transactions for two charging periods prior to the alledged withdrawal would suffice. This way we can check if there are any 'rolling fees' which are only applicable 21 days (ish) after a statement (print date) is issued.

DevCoder

noizeuk : I'd agree as most banks only recalculate to one previous interest period for rolling fees, but some banks can recalculate to month-N where N could be infinite. I know I certainly coded this option in one of the banking systems I helped develop and it was an "adjustable" variable that could be set by the bank so previous rolling fees could be impacted (especially if fees were then back valued) pretty much to inception date.

This was more if the customer had been applied the wrong credit/debit rate since inception and this was then corrected months/years down the line and a recalculation was needed by the system and not a human.

But in the main you are right, which is why in my first few posts I suggested statements to current month and two interest calculation periods previously.

noizeuk

What is the root cause of the £20 overdrawn balance?
In what way was this related to the debit card?
What were these "loan shark style" charged? (Unpaids, Account Fees, Debit Interest)

You are not very clear in the OP as to why this is happening. You have merely ranted and shown little substance to the comments your making.

I gather that the account is closed, given that you said "This time the manager paid the charges and baffled closed the account." What is your desired outcome?

Why have you not raised a complaint or contacted FOS if your not happy with their outcome?

Why the hell am I trying to help such a rude person?