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Santander on credit file

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  • #16
    did you make a formal complaint to satander at the time and any response?
    Last edited by MIKE770; 14th August 2018, 12:30:PM.

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    • #17
      Santander

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      • #18
        Santander UK plc

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        • #19
          No I didnít sorry
          didnít know much about things at that time
          wish I did now though

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          • #20
            Subject Access Request Letter send (No cost) Recorded Delivery to Satander this should throw up more information

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            • #21
              Ok thanks
              will post ASAP
              let you know when I have a response

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              • #22
                Originally posted by Woolfie842 View Post
                Ok thanks
                will post ASAP
                let you know when I have a response
                30 days you should have a response under new guidelines

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                • #23
                  Okay Hi there Ö

                  So you had a Santander account which was £6 overdrawn ( as far as you are aware ) and a payment went through ( which was not authorised by you - continuous payment authority or Direct Debit etc ? ) which led to an unauthorised overdraft position.

                  You complained to the bank but they stuck to their guns and you left the account and moved to Barclays. ( did you cancel DD's/SO's at that point? or use a switching service?)

                  Santander just charged themselves fees on your account taking it to the £463 overdrawn which they have issued a default for.

                  So - first step - send a SAR to Santander as Mike suggested, then you can look at making a further complaint. You want full transaction lists from the relevant period, and the terms and conditions in force on your account at that time,

                  If you can tell us a bit more about this unauthorised payment too pls.
                  “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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                  • #24
                    Yes I cancelled all direct debits on that account

                    it it was for a direct debit which I cancelled few days before as was no longer needed
                    but still the money was issued
                    also was for my old address
                    I will send first thing tomorrow
                    thanks again

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