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Santander Address To Reclaim Charges?
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Vanchatron
Posts: 30 Forumite


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If you are no longer a customer of this bank then trying to claim historical bank charges is a waste of your time, whatever address you send it to. The Banks won their court case on charges in 2009 and so they are not obliged to refund anything. Since any such refund is a goodwill payment only to people in genuine hardship, they certainly will not entertain a a refund demand from someone who isn't a customer anymore.
If you are still a customer, then you should address your complaint to the one on your most recent statement. Remember that you need to be able to show that you are in what the bank agree is financial hardship.
Sounds like you should be devoting your time elsewhere,though, especially as you don't appear to even have any documentation0 -
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Vanchatron wrote: »You assume I don't have documentation and I'm no longer a member of the bank, which is both false. Where in my first post did I indicate any of that?
But why would you need them to detail bank charges if you already have documentary statements?
Note that even if you are successful in convincing them of your financial hardship , typically the Bank are likely only to refund charges from the last six months, so you don't need to send them details of charges they have made as they already know.
Read back through the Bank Charges thread and you'll see no evidence of anyone being refunded historical charges.0 -
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Vanchatron wrote: »The guide says to highlights all the charges, and then add them all up and let the bank know the total amount.
You can call me as many names as you want, but it won't change the fact that the Banks won their court case over bank charges in 2009. After that, large scale bank charge refunds became a thing of the past.
Obviously, you don't believe what I have said so I suggest you read the (very long) thread on the subject which is filled with posts from people who have failed to grasp that the Banks do not refund historical bank charges
Here's the thread:
https://forums.moneysavingexpert.com/discussion/2248309
Probably best to just read the last few pages as there are 1,400 replies..0 -
This guide explains it more fully. Hardship and bank error causing the charges are the main routes for successful reclaiming of charges.
www.thisismoney.co.uk/money/saving/article-1598441/reclaiming-bank-charges-how-reclaim-fees.html
www.Santander.co.uk/uk/help-support/complaints lists the contacts a neighbour used successfully to reclaim fees.Please be polite to OPs and remember this is a site for Claimants and Appellants to seek redress against their bank, ex-boss or retailer. If they wanted morality or the view of the IoD or Bank they'd ask them.0 -
I'm just in the middle of trying to reclaim a number of charges incurred on my account over the years, and am currently following this guide - http://www.moneysavingexpert.com/reclaim/bank-charges
You mean the guide that went virtually obsolete in 2009 when the banks won the court case? This is why you are seeing incorrect info in there.I am at the part where I need to contact the bank to let them know the total amount of charges I have received, and to explain to them my current situation in the hopes of receiving a refund.
You dont need to let them know what charges you have paid. They are more than capable of doing that themselves.
Santander tend to only look at the last 6-12 months for CURRENT financial hardship cases.Also, it seems this is for the Data Protection Team, so I'm not even sure if this is the correct place to send the letter to.
Their complaints team handle financial hardship case reviews.
You need to put your case to them as to why you believe you are in CURRENT financial hardship. Let them know what arrears you have on various debts or how you are living on the breadline and how that is impacting on you. They will look at your current spending habits to check it is genuine hardship and not consumer spending that is causing the issue.
If it is HISTORIC financial hardship then the rules do not apply to that and the bank can not refund a penny. Even if it is current, they dont need to refund anything. They may decide that suspending charges for 3 months is sufficient or putting you on a debt management plan.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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