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

lanza

NO (the correct answer)

IrishGypsy wrote: »

I'll actually give you a reply to this as this is, pretty much, your first non-font abused post in this entire thread.

Daily fee charges accrue on a daily basis based on the balance of the previous day (as the current day has yet to 'finish'). If there's a 'fragment' of a charge left in the system that hasn't yet been posted to the account (because your statement date has yet to roll back around), then the staff won't immediately know they're there. Authorised or Unauthorised Daily Fees are only made visible on our systems once the new statement date arrives.

So if you were -£20 in one statement period, then that'd trigger 1 x Paid Item Fee + X days of Authorised or Unauthorised Daily Fees (up to the max number of days that the account allows, could be 10, 15 or 20 days).

If you then say, cleared the £20 before the next statement was generated, the Paid Item Fee + the accrued Daily Fee will still be waiting in the wings and will be available on the system (and your statement) when your next statement is generated.

If the funds aren't there to clear those charges (due 21 days after the statement is generated), that'll trigger further days of Authorised or Unauthorised Daily Fees (depending on the Overdraft state you're currently in) until they're cleared (or the max number of days hits first), but Santanderwon't charge a new paid item fee (even though they always 'clear' their own charges if the funds aren't there on the day you were pre-notified in your statement that they'd be debited).

So what I previously suggested about the statement date being changed up front IS what needs to happen to allow staff to actually see what's due.

So if your statement is generated on, say, the 10th of the month, (and you're still overdrawn for whatever reason), if the staff manually alter the statement date to the 11th of the same month then by leaving 1 x day of unarranged or arranged OD fees in the account, the account can be closed successfully.

The main problem happens when charges aren't cleared in full and everyone (i.e. staff + the customer) waits for the next statement to be generated (so they can see what's due), but by this time the account has already been racking up additional daily fees in the background (because the account is still technically overdrawn).

Changing the statement date to the day after the latest statement solves this problem from reoccuring and I know it does because I've done it often enough for customers to know!

But that is a completely ridiculous state of affairs in terms of the comprehensibility of an account under the banking code 2009.

Think about it. A customer myself opens a student account just to use the debit card for buying groceries. I already had a debit card, one of those free prepaid ones that never allowed me to overdraw ever in almost 5 years. I have not had one missed DD or overdraw in 7 years now, till this santander card went on the blink, leaving me not knowing what had been paid and what had not. The staff advised to keep using it while faulty, till the second visit when they admitted it had a fault.

The santander issued me this debit card and its slightly more conveniant than the old debit card as i can transfer funds into it online. That is all this is to me. A slight service, that i dont really need.

Ok none of this is really relevant except to make the point that really the service they are offering is trivial yet the hassle has been unbelievable. These people are service industry. That has been forgotten. A sad sign of the times. The local branches actually used to be decent places circa 1980. Often the manager was 50+, a wise an experienced businessman or pillar of the community that you could sit and have a chat with. There was never any of these antics. I think this along with all the other nonsense in Health and Safety fireman not even going into a pond and letting that guy die is a sign this country is going down the toilet.

Think about it. This has taken 4 months, quite a lot of visits to the bank, all those staff, it comes to me actually researching the account and learning the law to prepare for a court case and finally while doing that a Santander staff gives me a bit of inside info that the other staff do not have in what was required at that time.

What you describe is too late. Its apparently not in any of the literature, can you point this method out to me in it ? This is a court case now. If anything you have shown how irregular and broken this system is that it requires such lengths.

lanza

NO (the correct answer)

But it sure is interesting how so many people log on to this thread to blame and deny when its clearly the Santander system that is messed up, on many levels. This facet of human nature that i see displayed so eagerly by many here I will keep in mind when presenting a court case.

Some people tell me that juries are usually reasonable and this degree of care is not required but perhaps they are referring to more immoral social crimes where intution is required. other advisors for this case that are experience in this, tell me a clinical approach that uses my scientific background is going to be required for such a case.

lanza

NO (the correct answer)

pmduk wrote: »

So... the account is closed. Are you happy now?

Both YES and NO !

lanza

NO (the correct answer)

iesous23 wrote: »

so after reading through this complete and utter garbarge from the OP i decided to sign up and say something.

It is all your fault that you got the charges, your very second sentence you say your debit card had a fault! NO, its quite clear that you spent money that you didnt have in the account, regardless if you have an overdraft or NOT in your case they will honor that money and it will send you overdrawn. Then you have had charges that send you over again and again.

If this isnt the case, just what fault did your debit card have that put charges on your account?

Now that really is sad that you made an account just to say that. More on the topic, regarding your behaviour. You know what marks humans out from other primates Dont you ? I seriously doubt you are educated so i will tell you.

Its our total and utter zeal at enforcing law and order to each other. We take such pleasure in doing it, it can almost over-ride all instincts and common sense such that we get !!!!! like you who probably spend a great deal of their time partaking in the art of looking for places to be a mindless zealout. Go join some mad cult, religion or fundamental sect (or maybe this forum is one, the GOD of money). In any case mindless sects whether internet forums or whatever are always in need of mindless idiots like you to help with their falling numbers these days.

lanza

NO (the correct answer)

iesous23 wrote: »

so after reading through this complete and utter garbarge from the OP i decided to sign up and say something.

It is all your fault that you got the charges, your very second sentence you say your debit card had a fault! NO, its quite clear that you spent money that you didnt have in the account, regardless if you have an overdraft or NOT in your case they will honor that money and it will send you overdrawn. Then you have had charges that send you over again and again.

If this isnt the case, just what fault did your debit card have that put charges on your account?

Did you really make an account just to say that ?

iesous23

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

Good troll account.

The forum needs mindless idiots like me to keep them going? No, they really don't, not when you are spouting such drivel constantly. You are attacking myself saying i'm uneducated yet you make yourself out to be a complete and utter moron! So yeah, i did make this account to say what i said, now i will continue to use this to gain knowledge of sectors i need knowledge and pass on help where i can. Obvious troll is obvious as the saying goes

lanza

NO (the correct answer)

iesous23 wrote: »

Good troll account.

The forum needs mindless idiots like me to keep them going? No, they really don't, not when you are spouting such drivel constantly. You are attacking myself saying i'm uneducated yet you make yourself out to be a complete and utter moron! So yeah, i did make this account to say what i said, now i will continue to use this to gain knowledge of sectors i need knowledge and pass on help where i can. Obvious troll is obvious as the saying goes

Troll account, this thread is part of an enquiry to elicit data for a court case which has some high level interest for a class action against the banks you bloody twit. And no i didnt ask for that, the phone call came to me from someone very well known to most of you based on what i posted.

You know why he said he called me. Because i had a lot of aggression and that is what is required to see these things through a legal process. Well cant help it, italian temperament and all that. Gets worse with age too.

BACK on topic... Look at all the liars here who want to log on and bleat about how rational the system is in their cloud of delusion.

How rational is it that what 7 people or more have voted "yes the charges can be understood" yet only two actually filled the request to say how with some degree of insight.

Why ? because one of them actually programs the systems for the banks and the other one has to helps the santander staff themselves with this problem.

So if you are so bloody smart why dont you say something about how to solve the problem you inane twithead ?

lanza

NO (the correct answer)

I doubt i will be hearing anything of substance from that twit again. Actually starting an account just to post that complete rubbish useless junk. I am really getting an education in lies, delusion and stupidity here. AT least there are some intelligent people here, what 10-30 % perhaps ?

lanza

NO (the correct answer)

iesous23 wrote: »

Good troll account.

The forum needs mindless idiots like me to keep them going? No, they really don't, not when you are spouting such drivel constantly. You are attacking myself saying i'm uneducated yet you make yourself out to be a complete and utter moron! So yeah, i did make this account to say what i said, now i will continue to use this to gain knowledge of sectors i need knowledge and pass on help where i can. Obvious troll is obvious as the saying goes

what has happened to the world, its feels like its full of kids with no real social skills or savvy, that have grown up with internet forums and are now masters at log on to partake in autistic type pedantry, yet appear to lack any resemblance to the real world common sense that makes men go getters and do good in the world. No not faKe insincere good, the real stuff, which is almost an alien concept for the current post 9/11 shocked generation. I wont go so far as to say decency and empathy, because the reality of life is that such a thing can not be depended upon in situations where the focus is on money.

Did you know money changes the brain idiot. YES it makes people stupid, greedy, nasty and more. Not everybody of course. Stronger characters tend to resist these problems. About the only good thing it does is make most people efficient at lying, and seeking out other greedy liars.

How do i know ? because i have been loaded with more cash than i could handle several times over from being in business, as well as coming from a highly well to do background. I have another business startup now, and i tell you I am now very wary that the process is going to start again. HOPEFULLY this time i have enough wisdom not to let this stuff twist my brain, 3rd time lucky, but we will soon see. If i had a quid for every time i said 3rd time lucky and it was not.

iesous23

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

You really cant grasp that the customer can be wrong, then when you dont read what you like, as with most uneducated people these days they instantly blame the other party and also by seemingly throwing insults left right and center.

Good luck on any future endeavors, seriously though, get a life other than trying to get major reactions from people online, keyboard warriors are pathetic nowadays. Im done with this joke