Santander owes me £20,000

Caz3121

DeborahHolden said:

They then attempted to get the Thai bank to reverse the fee to no avail. I then had news that the receiver of the money was leaving Thailand due to the coronavirus so I asked him to transfer the excess £20,000 to the freeholder who I know well.

I am sitting here jobless due to covid wondering if my 'life-savings' will ever be returned so I can survive. 

Santander do not have your £20k, the freeholder does. When they return it to you, you will be able to return the borrowed funds to your relative (or back to your account)

TuppenceWorth

I guess the OP is wondering why the onus is not on Santander to re obtain the funds. This would be due to the fact that it was Santander who released the money when they said they wouldn't (and they would appear to have admitted this). 

However the OP has since arranged to move the money on such that the original recipient no longer has it. I don't think this has helped. In fact I feel it does shift the onus back to the OP. However this is purely a lay persons understanding of the situation.