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  • FIRST POST
    • Vivien1988
    • By Vivien1988 17th Jun 19, 10:09 AM
    • 1Posts
    • 0Thanks
    Vivien1988
    Santander Overdraft Charges
    • #1
    • 17th Jun 19, 10:09 AM
    Santander Overdraft Charges 17th Jun 19 at 10:09 AM
    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
Page 1
    • Moneyineptitude
    • By Moneyineptitude 17th Jun 19, 10:18 AM
    • 23,999 Posts
    • 13,402 Thanks
    Moneyineptitude
    • #2
    • 17th Jun 19, 10:18 AM
    • #2
    • 17th Jun 19, 10:18 AM
    Such historical charges are not recoverable (especially many years later). Why would they be?
    • spadoosh
    • By spadoosh 17th Jun 19, 10:20 AM
    • 7,049 Posts
    • 10,210 Thanks
    spadoosh
    • #3
    • 17th Jun 19, 10:20 AM
    • #3
    • 17th Jun 19, 10:20 AM
    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.
    Don't be angry!
    • Moneyineptitude
    • By Moneyineptitude 17th Jun 19, 10:52 AM
    • 23,999 Posts
    • 13,402 Thanks
    Moneyineptitude
    • #4
    • 17th Jun 19, 10:52 AM
    • #4
    • 17th Jun 19, 10:52 AM
    you can send a Subject Access Request (SAR) for a fee of 10
    Originally posted by spadoosh
    There is no longer any such 10 fee.

    Since the advent of GDPR, Subject Access Requests cost nothing..
    • Nasqueron
    • By Nasqueron 17th Jun 19, 11:10 AM
    • 7,603 Posts
    • 4,835 Thanks
    Nasqueron
    • #5
    • 17th Jun 19, 11:10 AM
    • #5
    • 17th Jun 19, 11:10 AM
    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.
    Originally posted by spadoosh

    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
    the concept of a United States of Europe is right. Winston Churchill 1930
    I think that the Government are right to apply to join the European Economic Community... -Winston Churchill 1961
    The future of Europe if Britain were to be excluded is black indeed.
    - Winston Churchill 1963
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