Problems with Santander.. The saga begins 16 July 2017 at 8:47PM in Reclaim bank & credit card charges 17 replies 1.7K views

dunstonh

I got a letter back from santander today stating that they were unable to issue an individual list of fees and charges from an account. However, they could confirm any fees/charged insuured on a monthly statement and that copies would be requested.

A DSAR has no requirement to itemise things. So, their response seems correct.

According to this forum and various guides online. Requesting a list of charges, different to a copy of a statement, is not chargeable.

Have you got a link to that as I suspect you are misreading it? Although, it is also not uncommon for the site guides to be misleading or simplified. Under the data protection act, they are not required and will not provide you with an itemised list free of charge. They will supply the data in the format they have it displayed (such as bank statements).

However, you do not need bank statements or need to itemise anything. With financial hardship cases, they are looking at your current situation and current hardship and they will decide the outcome. You don't get to say what they should do. Hardship responses are goodwill gestures. Not a right or a demand.

Im trying to recover a substantial amount of charged for being overdrawn 0p to £15 in the past 6 years or more if I can, which santander have charged me £25 each occurance, with in some cases them charging me £75 for direct debts bouncing while I was struggling at university.

And what is wrong with that?

Since the banks won the court case in 2009, there have only been two successful cases in the courts. Both had unique circumstances (such as the account holder being locked in the interview room and not allowed to leave.

Are there still grounds for claiming back under financial hardship back then, or now?

Banks do consider CURRENT financial hardship cases and if you meet their criteria, then they will often consider a refund of recent charges (typically last 6 months). However, their options also include things like suspending charges for the next x months or putting you on a debt management scheme. Refund is not the only option open to them.

Arnie91

That's a bummer. I'm not in financial hardship right now. I guess this is a separate issue but they refused to open a business account (cash only) without giving a reason, which is making my accounting difficult. Trying to move as I've paid them thousands in charges before and had a lot of income coming into my account over the past 1 year now.

Unfortunately got treated like a lump of poo despite being very reasonable and polite on the phone.

Arnie91

I specifically requested that no informal overdrafts to be placed on my account. For them to block this on my account. It worked for a year or so and then some how it was enabled in 2010. Despite repeated request on the phone and being told I didn't want to let my account get overdrawn.

They also moved me from a student account to a current account during university term without informing me and this also affected the unarranged overdraft fee.

[Deleted User]

Probably wise to move on now..

Arnie91

Yeah' im trying with the Co-Op. ...

Ah well. You'd think they'd want to keep a customer that doesn't have CC's or an overdraft.

[Deleted User]

Arnie91 wrote: »

You'd think they'd want to keep a customer that doesn't have CC's or an overdraft.

Regular payers with credit cards and overdrafts are the Bank's most profitable customers!

Arnie91

They probably get a lot more in international currency charges from me as I trade on the US stock market, so that makes up for it!