Reclaiming bank charges after name change

justcat

Hi all,

I want to try claiming some old bank charges from Santander but I got married since I last used my account and so my current name and the name on my account is different.

What name should I put on my initial letter request information?

Wywth

justcat wrote: »

Hi all,

I want to try claiming some old bank charges from Santander but I got married since I last used my account and so my current name and the name on my account is different.

What name should I put on my initial letter request information?

It's only worth trying under financial hardship if the account is still being used as your current main account (the one you have your regular income paid into).
Remember too that financial hardship relates to total household income.

In which case, you should probably tell the bank of your name change.

Otherwise, write a letter in your name, giving as much detail of the bank account as possible (e.g. account number, sort code, name(s) on account, address(es) etc)

justcat

Sorry, I might be being silly but I don't understand your reply.

I moved account because I found that the charges were devouring my income each month. I kept getting charges and then charges for charges. So this was no longer my main current account.

I have all of the details of the previous account including addresses account number etc. It's really just whether I should use my maiden name (which they have on file) or my current married name that I go by? This is really so that if I actually end up with a cheque, it is in the correct name.

Should I just sign with my current name but add the account name (my maiden name)?

jacques_chirac

justcat wrote: »

Sorry, I might be being silly but I don't understand your reply.

I moved account because I found that the charges were devouring my income each month. I kept getting charges and then charges for charges. So this was no longer my main current account.

I have all of the details of the previous account including addresses account number etc. It's really just whether I should use my maiden name (which they have on file) or my current married name that I go by? This is really so that if I actually end up with a cheque, it is in the correct name.

Should I just sign with my current name but add the account name (my maiden name)?

Wwyth is explaining that you need to base a claim on financial hardship. You need to look up the guidance on this

justcat

jacques_chirac wrote: »

Wwyth is explaining that you need to base a claim on financial hardship. You need to look up the guidance on this

Hi,

I get that bit but my question is about what name I should use when sending the letter. My married name or the name that is on the account (my maiden name).

antrobus

justcat wrote: »

Hi,

I get that bit but my question is about what name I should use when sending the letter. My married name or the name that is on the account (my maiden name).

This;

Wywth wrote: »

...In which case, you should probably tell the bank of your name change....

As in my name is Jane Smith nee Jones.

justcat

antrobus wrote: »

This;



As in my name is Jane Smith nee Jones.

Thank you - I think all the stuff about hardship threw me off!

Wywth

justcat wrote: »

...I moved account because I found that the charges were devouring my income each month. I kept getting charges and then charges for charges. So this was no longer my main current account...

Then close the old account

Even if you can't because of an outstanding overdraft, tell the bank and ask if they'll suspend the account, although if your not using it, it shouldn't be accruing any extra charges anyway, except interest (or equivilent) on the overdraft which is not reclaimable.

Therefore, it can't be having an ongoing, adverse affect on the financial hardship you will need to claim to be in ... which is why you need to look into the guidance on financial hardship.

leclerc

justcat wrote: »

Hi,

I get that bit but my question is about what name I should use when sending the letter. My married name or the name that is on the account (my maiden name).

You should have or should change the name on the account into your marriage name taking into the bank a copy of the marriage certificate and they should be able to complete a change of name form. Everything else said on financial hardship is pretty much what I would be saying as well. Unless you have arrears on priority debts, ie mortgage/rent, utility bills and/or council tax then it is a non starter to be honest because you have to prove to the bank that you have done everything to ensure that they are paid and that the charges are causing your income to be that low that you are unable to pay those priority debts. Even if you can do that it does not necessarily mean that the bank have to repay those charges to comply with the lending code section 9(link is on my signature with permission from MSE)