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  • #1

    Bank Charges - Help

    Heya,

    Today I recieved a letter from Santender saying that my account has gone overdrawn, and that I'm required to pay back £114 :O

    Confused!

    So, I went into the bank... thinking my card may had been cloned etc..

    It turns out that I owe them £114 because of an overdraft of £4 from September.

    The problem is that I've only just recieved this letter and nothing before hand. Surely that is not on?

    Any advice? I'm going to ring up and complain and try and get my charges written off.
    "Anger and Frustration bring the best out of my flying ability.. because generally I don't give a shit either if the machine hit's the deck or stay's in the air - both will accomplish satisfaction, but most of all it exerts the feeling of flying conservatively. - Callum"

     www.callumheli.co.uk

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  • #2
    Dude you have now crashed your bank account.....is there anything you can't crash??????? PMSL :)
    www.lincsheli.com

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    • #3
      Had loads and I mean loads of trouble with these idiots.

      Dont phone they are to thick to understand, go into the branch you will get a better result face to face.

      sigpic Trex 700 OS91,Vbar,S9254,DS610,NHP
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      • #4
        Thats criminal :boxing_smiley:
        Gaza07

        Trex 500esp 6s Beast-X V3
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        • #5
          I went into the bank..

          They told me to ring up Grrr :(
          "Anger and Frustration bring the best out of my flying ability.. because generally I don't give a shit either if the machine hit's the deck or stay's in the air - both will accomplish satisfaction, but most of all it exerts the feeling of flying conservatively. - Callum"

           www.callumheli.co.uk

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          • #6
            I've worked in finance as a senior manager for years and I rate Abbey/Santander as one of the worst banks out there and if you think Santader is bad.. wait till you see Halifax!

            Sorry Callum but its part of your T&C's.. doesnt matter you havn't received any letters, they could have gone missing in the post with shitty mail!

            I know its not going to help but you NEED to know your account.. this must have been a rolling fee and the £4 was not settled or brought to zero within a day.. So you kept getting charged each day it was overdrawn plus the interest on it!.. and it will add up!

            As already mentioned.. dont bother calling, go down to a branch but I think its a no win situation for you mate. :(
            Eddie
            Velocity 90 FBL BeastX V3
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            • #7
              Unfortunately you will get the stock answer, "it is your account and we provide numerous means for you to manage it, internet banking, telephone banking etc. You can have notice of going overdrawn by text. We will not be reversing our charges as they are legal and you will find in your account agreement item 17 paragraph 2 that you give us permission to deduct these charges should they come to bare. Furthermore should you fail to repay these charges you will continue to accrue interest on any outstanding debit balance"

              In short Callum you are well and truly kippered. I wish you luck contesting them but I will be surprised if even after a complaint you get them rescinded.
              Humble owner of 7 Eddie Gold Stars and Ex - member of Mk Heli Club
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              • #8
                Cheers for the info guy's

                Looks like im going to have to pay up! Tad annoyed.. But, Ultimately my fault.
                "Anger and Frustration bring the best out of my flying ability.. because generally I don't give a shit either if the machine hit's the deck or stay's in the air - both will accomplish satisfaction, but most of all it exerts the feeling of flying conservatively. - Callum"

                 www.callumheli.co.uk

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                • #9
                  It is harsh but as long as you know and dont start blaming others.. At least you wont do it again, remember to always keep an eye on it! ;)
                  Eddie
                  Velocity 90 FBL BeastX V3
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                  • #10
                    I had this with one of my cards, So I said I would pay for it and then I would like to close the account down effective immediately,,
                    Thats when they decided they would not charge me, Worth a try??? :boxing_smiley:
                    Cheers,
                    Richard

                    You Never to old to learn?? something NEW..

                    But as we grow old, the beauty steals inward.!!!

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                    Problems are not stop signs, They are guidelines..

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                    • #11
                      I'm with Ipitombi - it depends how much they want you as a customer - I've been with my bank over 30 years (yeah - I'm ancient), when I last got one of these letters I pohoned up and said "You have my work mobile, personal mobile, home number and email address - how difficult is it to call or email me ?, if you don't rescind them I'm closing my account and leaving" - they rescinded the charges and now call me if there is an issue. They don't have to do so,but if they value you as a customer they might repay the charges

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                      • #12
                        Tell them where to stick it. Tossers

                        Abbey are fooking useless. Tossers

                        Best thing, pay it and say you are calling the ombudsman because if you dont pay it, it will continue to rise so pay it first then go from there. Tossers


                        Im onto the ombudsman about my latest affair with them. Because of there, yes there incompetence I got done as you know and have now moved EVERYTHING away from them and as such lost interest on all of it including my ISA so I want that money too that I consider myself to be owed as for one, I'm not allowed to open another ISA until April. Tossers


                        Fight it for all your worth man, lets stick it too them. Did I say Tossers :D
                        + 7 x Eddies finest EGS's


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                        • #13
                          Sorry for going off topic but I'm having to disagree with Richard.. IF its your fault for going overdrawn.. then suffer the consequences dont barter with the company to remove charges which IS YOUR fault.. Unfair or not charges YOU agreed to them when you opened an account... This is like saying.. I broke the law but I'm going to move to another country as you want to penalize me for something I done wrong?!?!?! :)

                          With regards to the Ombudsman, they wont even bother until you have gone through the full complaint proceedure with Santander and since the T&C's are clearly outlined, you wont achieve anything as its your fault! :ack2:

                          But on the other hand I agree with Ben (Jamin_00).. like I mentioned in my previous post.. Abbey are ones off the worst banks out there imo but thats from my years off senior management experience in the financial institute. Ben on the other hand has a good reason to call them tosssers, as it was not his fault! :D

                          :cheers2:
                          Last edited by Eckchaz; 14-12-2010, 05:12 PM.
                          Eddie
                          Velocity 90 FBL BeastX V3
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                          • #14
                            Just to mirror Bens comments.

                            Tossers, Tossers, Tossers, Tossers,Tossers, Tossers, Tossers, TossersTossers, Tossers, Tossers, TossersTossers, Tossers, Tossers, TossersTossers, Tossers, Tossers, Tossers

                            Lee
                            Crashing is in my blood, were can I get a transfusion

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                            • #15
                              [quote=stumpe;575801]Tossers[/quote]

                              Agreed..

                              They seem to be on the phone straight away when they can offer you an 'upgrade' on your card, but as soon as you start racking up some fees you dont seem to get a single call about it! :ack2:
                              x 3

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