Disaster with Santander, need advice!

Money-Saving-King

dessler wrote: »

I took screenshots + print-outs and will send them to the ASA! Targeting the vulnerable, shame on them.

They ASA won't do anything about that as for the majority that's fine.

As everyone else has said your barking up the wrong tree trying to blame others. The blame others for your own mistakes attitude to life never gets very far.

leespot

As others have said, energy spent on Santander at this point is futile. Dead horse and flogging spring to mind. Move on.

1) You owe Halifax £3,000 - no if's, but's or maybe's. You had it, you spent it, they want it back. (maybe more if interest has been adding up). Talk to them, agree a repayment plan or similar. Even ask them if they can freeze interest - it can be done with the right approach. With your stated take home pay it shouldn't take long to pay off, finances permitting. Banks will be more open to discussions if you are open with them - but open means to be honest, they can see your account behavior history so will know if you're offering something genuine in terms of repayment, or taking the pi$$. (ie if you have £1500 a month left after bills, and offer to pay them £10 a month....they would probably, rightly, tell you to jog on)

2) You have a default for £100. You have £2100 after tax. Pay the £100 on your next payday, and get into the frame of mind that say, Feb salary is only £2000 - honestly, it works. And it is only for one month out of many. Then begin your battle with Virgin for the refund, and also notice of correction.

3) Don't apply for any credit, anywhere, with anyone. For a long time. I'm speaking from experience, I'm 33 and between 21-27 I spent a long time struggling with banks / finance / etc. I messed up, I repaid it, they got their money, I got my credit rating back and can enjoy (responsibly) the things that everyone seems to take for granted these days (in terms of credit / finance)

We obviously don't know your financial situation, but £2100 take home after tax should be a comfortable income for lots of people, and it is an income that could seriously put a dent in that overdraft if managed correctly.