Santander have made me £6000 overdrawn

Jules2012

What drama, I have nothing to add except any money you normally get paid into this account get paid else where until its sorted.

At the very least they should make sure all charges are waived.

ponbeam

Santander would have taken the money back out of the account if the person who was legally entitled(Your Dad) to the money had complained to the bank.
Has he done this ?
If so the 6000 pounds would have been given back to him.
Can he not give you the 6000 pounds to clear the account and then you obviously make a complaint to Santander for interest charges and inconvenience etc
You can repay your dad the money you spent over x amount of time.

meer53

ponbeam wrote: »

Santander would have taken the money back out of the account if the person who was legally entitled(Your Dad) to the money had complained to the bank.
Has he done this ?
If so the 6000 pounds would have been given back to him.
Can he not give you the 6000 pounds to clear the account and then you obviously make a complaint to Santander for interest charges and inconvenience etc
You can repay your dad the money you spent over x amount of time.

I suggested this in post #3, the OP has ignored it so they probably don't want to go down this route.

gb12345

meer53 wrote: »

I suggested this in post #3, the OP has ignored it so they probably don't want to go down this route.

She didn't answer you, but she did answer the same question when someone else asked it later on.

nikkiddavis wrote: »

Thanks Whitewing
The account they closed that was my Dad's had already assigned to paid for other charges in relation to my Mum's death.

We had no idea they've closed this account until 5 month after they'd done it.

nikkiddavis

nikkiddavis wrote: »

Calling all the money experts out there. I really need your help!!

Last November Santander made a major error where they've closed an account in the joint names of my Mother (decease) and my father, told me that it was a dormant account in my Nan's name (decease) and paid the money into my account.

Believing in good faith what they told me was true, I've spent the money. 5 months later my Dad tried to access his account only to be told they'd closed it. Santander reinstated his account and returned the funds.

Yesterday (maurndy Thursday) they took £6000 out of my bank account making me £6000 overdrawn. They gave me less than 1 weeks notice on what they were planning to do.

As soon as I received their letter on Monday, I spent a hour on the phone to them trying to raise a complaint ticket. I emailed them on Tuesday with all the details highlighting their gross incompetence which they ignored. The email instructed them not to take any funds out of my account.

Everyday this week I called then each phone call over an hour, and they told me someone would call me back before 6, no one ever did. For 4 days no one would take responsibility for their error. Only at 6pm last night did I get the name of the person looking into it.

My account is now £6000 overdrawn, racking up charges everyday.

Santander are one of the useless, most incompetence banks that has ever existed.

I urge anyone planning on opening an account with Santander. DO NOT DO IT. IF THEY CAN UNLAWFULLY TAKE MONEY OUT ON MY ACCOUNT, THEY CAN DO IT TO YOU.

Any advice greatly appreciated!

The most annoying thing about the whole thing is how no one will take responsibility for anything. Thursday we went into the branch who fobbed us off saying the whole was down to head office and nothing to do with them.

Yesterday I finally found someone in one of their many offices who actually looked into it and she said it was down to the branch.

matttye

nikkiddavis wrote: »

The most annoying thing about the whole thing is how no one will take responsibility for anything. Thursday we went into the branch who fobbed us off saying the whole was down to head office and nothing to do with them.

Yesterday I finally found someone in one of their many offices who actually looked into it and she said it was down to the branch.

Have you sent in a written complaint yet? You should get the 'eight week clock' ticking now because you're probably not going to have any joy by telephoning and speaking to anyone.

KeepFighting_2

Two things to do
1) Clear the Overdraft - talk to your Dad, perhaps he can lend you the funds while you get a loan to pay him back. At the end of the day you have had the benefit of the £6,000. If you do nothing and just keep on saying htey took £6,000 it is not fair then unless you succeed you are going to owe Santander a whole lot more.

2) See a solicitor explain what has happened and take their advice. It may be that you can keep the money or at least come to some arrangement with Santander about interest and charges on your overdraft. They may even give you a loan at favourable rates to pay off the debt.

3) If the solicitor is no help then write a letter of complaint to Santander on your own asking for favourable terms on a loan to pay back the money and a reversal of the charges incurred. They should react better in writing.

nikkiddavis

matttye wrote: »

Have you sent in a written complaint yet? You should get the 'eight week clock' ticking now because you're probably not going to have any joy by telephoning and speaking to anyone.

It's all been put into email. I have an official complaint open.

xylophone

Is there still £6000 sitting in a dormant account in the name of your late grandmother?

matttye

nikkiddavis wrote: »

It's all been put into email. I have an official complaint open.

Great stuff.

If you don't get any joy with the bank OR the ombudsman, you might get a solicitor who's willing to act for you pro bono. It'll be tough to find someone who will, but this reeks of injustice so I'm sure somebody will be willing to.