Santander on credit file

[MIKE770]

did you make a formal complaint to satander at the time and any response?

[Woolfie842]

Santander

[Woolfie842]

Santander UK plc

[Woolfie842]

No I didn’t sorry
didn’t know much about things at that time
wish I did now though

[MIKE770]

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

[Woolfie842]

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

[MIKE770]

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

30 days you should have a response under new guidelines

[Amethyst]

Okay Hi there …

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.

[Woolfie842]

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