£800 charge for not paying into new Santander account!

[Deller]

Re: £800 charge for not paying into new Santander account!

You are a babe Deller, and good to see you about the place btw xx

Glad to be of help, I've had nothing but trouble since I made the same switch to Santander so I'll be happy to help anyone get out of trouble with them.

It's great to be back btw.

[Shih Tsu]

Re: £800 charge for not paying into new Santander account!

THANK YOU
You guys are all so knowledgeable and helpful spending your free time helping people. Amethyst-how can I get a statement breaking down the charges without any details of the account? All I have is a letter from the collection agency with the account number....
Do you really think I can get the charges reversed?

[Deller]

Re: £800 charge for not paying into new Santander account!

Am wondering if there is anything about a time limit for commencing use of the account / ie it may take a month or two to sort out salary being redirected and so on/so forth. Nothing was done with the account since it was applied for online.

It may certainly be worth a shout in using this as an arguement, although from mt experience, when switching banks for this £100 reward the bank dealt with everything. This included switching DD's, SO's and Salary receipts (they even contacted my employer to notify them of the new account details).

I suppose the fact have not done these things could also be used as an arguement, afterall, the onus was on the bank to set up everything.

Can you remember Shih Tsu if part of the Account switching process was for them to set up all existing DD's, SO's etc from the other account?

[The Debt Star]

Re: £800 charge for not paying into new Santander account!

good to see you about the place btw xx

hear hear!

[Amethyst]

Re: £800 charge for not paying into new Santander account!

not masses in those T&Cs specific to the £1000 a month on the preferred account.

Specific Conditions L: Preferred Current Account
L1 Introduction
These conditions apply to any person who opens a Preferred
Current Account with us who meets the eligibility criteria as
set out in L2.
L2 Eligibility
L2.1 You must be a UK resident and be 18 years of age or over.
L2.2 Existing customers are required to upgrade their account.
L3 Underfunding Fee on your account
L3.1 You must pay a minimum amount into your
account each month (charging period is statement to
statement), which we will tell you about when you apply
for the account.
L3.2 If you do not pay the agreed amount into your account each
month you may incur an underfunding fee, which can be
found in our Interest Rates and Fees Information leaflet.
L3.3 Transfers into the account from another Santander account
will not count towards your monthly amount.
L4 Number of accounts
Customers are limited to a maximum of two Preferred
Current Accounts per person; this includes both single and
joint account types.

[Amethyst]

Re: £800 charge for not paying into new Santander account!

To qualify for the £100 & 5% AER: switch using our Account Transfer Service and pay in £1,000 a month
If you don't switch you can still apply online but you won't qualify for £100 and Daily Arranged Overdraft Fees will apply from account opening.


Preferred Current Account – if you
have not switched and after 12
months if you have switched
50p a day (capped at
10 days each monthly
statement period



I presume the OP didn't sign up to the switching service then lol.

[The Debt Star]

Re: £800 charge for not paying into new Santander account!

swindled

[Deller]

Re: £800 charge for not paying into new Santander account!

I presume the OP didn't sign up to the switching service then lol.

It certainly looks that way.

[Amethyst]

Re: £800 charge for not paying into new Santander account!

okay,need to start a formal complaint off to start the 8 weeks ticking.... feel free to jump in edit/amend/completely rewrite the following; I thought starting at the beginning as an enraged customer might be a good place, and let them explain it first -rather than doing all the work for them.

Nattiepoo's - who is the best top nob to write to these days ?

Dear Sirs,

Formal Complaint
Preferred Current Account No. xxxxxxxxxxxxxx

I am shocked to have recently been contacted by a debt collection agency on Santander's behalf asking for a sum of £800, for an account I have never used.

Back in MONTH 2011 I applied, through your website, for a Preferred Current Account, thinking I would arrange to have my income paid into the account. However following my application my circumstances changed as I (went away/changed jobs etc) and the account was not therefore suitable for my needs.

I therefore cut up the debit card received and promptly forgot all about it.

I have no idea how the account can possibly be in debit of £800 and would like an explanation, and a list of all and any transactions carried out on the account since it's inception. I can only imagine it is some form of insane bank charges you have been applying to my account - for not using the account ? Either that or some form of ID theft has taken place.

I would also like a copy of the precontractual information, contract and terms and conditions in force at the time I applied for the account.

I would also like to request you close the account forthwith.

I look forwards to receiving your response by return.

Regards

xxxxxxxxxxxx

[Caspar]

Re: £800 charge for not paying into new Santander account!

How about Ana Patricia Botin CEO?

ceo@santander.co.uk

[Amethyst]

Re: £800 charge for not paying into new Santander account!

lol, yeah why not, a CEO lakky will reply on their behalf but it usually gets things moving. I wrote to Barclays CEO about a problem with an old Woolwich account and things got sorted pretty instantly.

Right tactic with the confused customer letter you think?

[Caspar]

Re: £800 charge for not paying into new Santander account!

Like it Ame - no apostrophe in it's by the way (sorry!).

I particularly like the way you're asking them to close, which if they did, would leave no debt as there's no account. Never realised you were sneaky too!

[Shih Tsu]

Re: £800 charge for not paying into new Santander account!

Thanks guys!!!!!!!
SO glad there appears to be a logical, virtually hassle free get out for this. So I'll send a copy of that letter out...which address should it go to?
thank you thank you thank you
(now to remember which month it was.....!)

[Deller]

Re: £800 charge for not paying into new Santander account!

The complaints department could be an option.

Complaints
Santander UK PLC
PO Box 1125
BRADFORD
BD1 9PG

Or would anyone else suggest different?

[enaid]

Re: £800 charge for not paying into new Santander account!

How about Ana Patricia Botin CEO?

ceo@santander.co.uk

I emailed my complaint (which was about a different subject) to the address above a lady called Michelle Caines dealt with my complaint. I was replied to within a few hours and all was sorted within a few days. I received many apologise and a bit of compo too.
Good Luck
Enaid x