£2500+ Bank Fees To Try Reclaim From Santander

james4

Hello,

I do hope i'm posting this in the correct place!

After reading the article on trying to reclaim bank charges (I tried to add url but it wouldn't let me), I thought it was definitely worth a try.

Upon researching into peoples successes, it seems Santander are probably the least likely to give you your fees back, and thought I'd post this to see if I could attract anybody who has been successful on their reclaim to give any helpful advice.

I have £2500 to try and reclaim since 2014, and was wondering if it is best to send my template letter & fees by post or email? I've read some people emailed the CEO / complains, some people sent the letter to Complaints address / branch etc.

I was unfortunately one of the people that got caught in a payday loan spiral, by borrowing from one company to pay others off, which i'm now thankfully out of (£8k over 2 years), but can't yet go a month without having bank fees added to my account, its an ongoing occurrence, which i'm really keen on getting stopped.

Any help would be fantastic! :beer:

Thanks in advance,

J

[Deleted User]

Historical Bank charges are not reclaimable. The Banks won their court case about charges in 2009.

If you are currently in what the Bank agree is CURRENT financial hardship, the Bank may agree to refund some charges-typically those applied in the last six months.

There really is no point itemising the amount you want refunding. All you have to do is convince the Bank that you are in current financial hardship. Any refund is a goodwill gesture.
You can contact the Bank by letter, E-Mail or even telephone. You should not however address any such letters to the CEO.

Nasqueron

If you are in a cycle of fees stopping you getting out of debt then you may fit the criteria for a financial hardship case where you could ask the bank to freeze current charges or refund some from the last 6 months (they will choose what to offer you, you don't request it).

See below

http://www.santander.co.uk/uk/help-support/money-worries

If you are stuck in such a cycle where you can't pay off fees though it suggests an underlying issue - I'd suggest visiting the Debt Free Wannabe forum on here and posting a Statement of Affairs where the friendly people on the board will help you identify saving areas and it might make you realise where you are potentially wasting or overspending

http://forums.moneysavingexpert.com/forumdisplay.php?f=76

As MI says above the banks won the court case on unfair fees in 2009, there is no chance at all you will get historic charges back, the bank will refuse the claim and the FOS cannot help