debt banking overdraft

larasweetysmile

Hi im currently in some debt with santander bank they say its an un arranged overdraft on my account i never signed anything to put that on my account they send me letters and threatening action the bill is £300 and £60 of my wages went into that account and they don't take it of i don't know where they got £300 from it could be interest and charges mounting up . i haven't use the account for up to 1 year now. the reason why they say is overdraft is i was topping my phone up with my debit card and unfourtuntly the payment can still go through if no money in the account which has now happened to me i don't no what i can do i don't want to pay the £300 i don't even owe please help

sofababe

Contact Santander and ask for a copy of all statements on the account if you don't have copies.
You don't agree to an unarranged overdraft, that's why it's "unarranged", it means that you have spent money from the account when there wasn't any money in there- presumably the phone top ups- and you have been charged a fee for that. Why did you top up your phone from an empty account? Every time you do that you get a charge for going overdrawn, plus interest on the money you've borrowed.

Stop using the account to top up and offer Santander a monthly amount to pay it off.

[Deleted User]

You need to act quickly and ensure you keep to the arrangement.

Santander screwed me over, even when we were at the Ombudsman for a complaint.

The Ombudsman confirmed to me that because I did not repay the balance of the account when requested (the same day) I had breached the terms and conditions and therefore they could report negative data on my credit report.

The money and charges were the least of my worries and were all returned as compensation after the Ombudsman investigation, however they refuse to remove the negative data from my credit report and nobody can make them as I did breach the terms and conditions.

Santander are horrible !

asparagus1968

unless i am mistaken-and i apologise if i am,

you used santanders money to top up your phone as you had no money in your account

they weren't happy,so are charging you,which they are allowed to

but you "don't want to pay it".

if someone used your money without permission,surely you would do exactly the same??

pay them back for goodness sake

jon1965

If you have a santander account are you set up for internet banking.
I would suspect that most of the money you owe is made up of charges and interest.
If you ask for copy statements they can charge you for each and every one, maybe a chaeper way is to SAR them as that costs £10.
You could of course just ask them to provide a list of charges etc applied to your account which they should provide for free.

If I were you , I would talk to them and ask to set up a repayment plan and that they freeze interest and charges. Then do not use your card again, you were very silly to do that.

I think you will have no option to pay it back