Hi All
Now I am back in control of my finances (yey!) I am going back through my bank statements from Santander.
I haven't added up the total in charges I have paid over the years yet but have some questions:
I am thinking of making a complaint regards my bank charges. Has the recent court battle pretty much made this impossible to get bank charges refunded or would I still have a change with the FOS if I could prove that the charges applied to my account have caused me significant hardship?
As an example of this in one month alone I amounted £270 in charges for 4 unpaid direct debits
Santander charge £60 for bouncing a DD. Now they claim that it is actually two charges. The first is an 'Instant Overdraft Request Fee' which comes in at a whopping £35. The next is the 'Return Unpaid Item' fee which comes in at £25. So combined the charge comes to £60 for bouncing a DD. Can Santander really argue successfully that these are two seperate fees?!
I suspect that once I have gone through just the last 18 months statements then the charges are going to come to approx £2k!
Best
Crispy
Now I am back in control of my finances (yey!) I am going back through my bank statements from Santander.
I haven't added up the total in charges I have paid over the years yet but have some questions:
I am thinking of making a complaint regards my bank charges. Has the recent court battle pretty much made this impossible to get bank charges refunded or would I still have a change with the FOS if I could prove that the charges applied to my account have caused me significant hardship?
As an example of this in one month alone I amounted £270 in charges for 4 unpaid direct debits
Santander charge £60 for bouncing a DD. Now they claim that it is actually two charges. The first is an 'Instant Overdraft Request Fee' which comes in at a whopping £35. The next is the 'Return Unpaid Item' fee which comes in at £25. So combined the charge comes to £60 for bouncing a DD. Can Santander really argue successfully that these are two seperate fees?!
I suspect that once I have gone through just the last 18 months statements then the charges are going to come to approx £2k!
Best
Crispy
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