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Santander Overdraft Charges

edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
4 replies 687 views
Vivien1988Vivien1988 Forumite
1 posts
edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
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

Replies

  • [Deleted User][Deleted User]
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    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    MoneySaving Newbie
    Such historical charges are not recoverable (especially many years later). Why would they be?
  • spadooshspadoosh Forumite
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    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
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    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][Deleted User]
    0 posts
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    MoneySaving Newbie
    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..
  • NasqueronNasqueron Forumite
    7.7K posts
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    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
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