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Court awards Santander

dec2007mcl
dec2007mcl Posts: 6 Forumite
in Reclaim bank & credit card charges
Hi all

Please can someone give me advice

I was trying to get bank charges recovered from Santander, however a county court ruled that it was statute barred as it was over 6 years ago. It awarded that I have to pay Santanders legal costs which they say are £1490. I cannot afford to pay this. Can someone please advise me of my options.

Thanks for your time

Comments

  • BoGoF
    BoGoF Posts: 7,099 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Agree a payment plan with them.

    Have to ask, what were you thinking.....the banks won the bank charges case years ago.
  • dunstonh
    dunstonh Posts: 118,459 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I was trying to get bank charges recovered from Santander,

    On what basis?
    however a county court ruled that it was statute barred as it was over 6 years ago.

    it could also have arrived at that decision after the banks won the high court case in 2009.
    t awarded that I have to pay Santanders legal costs which they say are £1490. I cannot afford to pay this.

    What on earth possessed you to take Santander to court on something that was already ruled in 2009? This outcome was highly predictable. And if you dont have the money, it was foolish thing to do. It was foolish even if you had the money.

    Did your solicitor not warn you of the risks and consequences? (you may have a case against thm if not)
    Can someone please advise me of my options.

    Agree on a payment plan with them.
    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.
  • Nasqueron
    Nasqueron Posts: 10,091 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    Paging Brown


    This is what happens when you try and take banks to court for old fees and the bank decides to fight it. Still want to personally indemnify people over old charges?

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • brown1950
    brown1950 Posts: 264 Forumite
    Oh Dear why involve me in bank charges when clearly the UK Banks won in the Supreme Court ?
    Any court action involving bank charges will fail however on this site certain posters think credit
    card charges are also somehow linked into the Banks Supreme Court win which they are clearly not.
  • Nasqueron
    Nasqueron Posts: 10,091 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    brown1950 wrote: »
    Oh Dear why involve me in bank charges when clearly the UK Banks won in the Supreme Court ?
    Any court action involving bank charges will fail however on this site certain posters think credit
    card charges are also somehow linked into the Banks Supreme Court win which they are clearly not.

    1) Your credit card "reclaiming" is based on threatening to take banks to court. This is what happens when banks don't fold but actually fight it. Your credit card case could easily seen this happen
    2) Precedent. I suggest you look up how the law works

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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