Santander Overdraft Charges

Vivien1988

Hi All,

My husband had an overdraft with Santander and would charge 50p a day, he got stuck in his overdraft for quite a while, we would put money in to clear it but the charges would just plunge him back in to it. He has changed banks now but could we still try and claim some of these charges back even though he doesnt have a statement of all the charges over the years from Santander?

Thanks

[Deleted User]

Such historical charges are not recoverable (especially many years later). Why would they be?

spadoosh

A maximum of £15.50 per month for using an overdraft dosnt seem that unreasonable. Although if you would like access to statements you can send a Subject Access Request (SAR) for a fee of £10 to santander and they will have to give you access to all of the data (including statements) they hold on you.

[Deleted User]

spadoosh wrote: »

you can send a Subject Access Request (SAR) for a fee of £10

There is no longer any such £10 fee.

Since the advent of GDPR, Subject Access Requests cost nothing..

Nasqueron

spadoosh wrote: »

A maximum of £15.50 per month for using an overdraft dosnt seem that unreasonable. Although if you would like access to statements you can send a Subject Access Request (SAR) for a fee of £10 to santander and they will have to give you access to all of the data (including statements) they hold on you.

There wouldn't be any point in doing the SAR for a list of charges as you cannot get them back, banks do not consider historical charge requests since the 2009 supreme court win