santander help

[Fezzy24]

So I'm just after a bit of advice here now to clear my last remaining bit of debt before I become debt free.

So back in 2012 I had a santander account, I switched to go to Barclays but after I switched a petrol pump payment for £50 went out of the Santander account that I wasn't aware of straight away, now they were adding £5 a day charges, I just put my head in the sand when I found out because I couldn't afford it at the time, owed 13.5k gambling debt now the account has remained open at -£499.50 ever since. I keep getting statement letters but since most of the balance was made up of bank charges that I think is now illegal do I have any way to either have this written off or reduced to the original payment of £50??

[echat11]

Hi FEZZY24

Welcome to LB

When was the last payment made on the account?

Have you acknowledged the debt in the last 6 years?

[Matty B]

Another question is- did they default the account? They need to have done this.

If it helps, every six months for the last 12 years I have received statements from Santander. The account was defaulted in 2015 I think and I keep getting the letters. Never a demand for payment just the statements. It is so long SB it is not worth bothering about.

[Fezzy24]

Hi so the last payment that went into this account was on 2012 before I switched, the account has remained open just -£499.50, the same as you they have never demanded payment just sending me a statement every so often

[echat11]

The account is still open.
They haven't defaulted the account, so won't be statute barred.
If you want finality, make a 'Without Prejudice' offer, write that on
the offer letter to pay the £50 less the late charges.

[Matty B]

Before you do anything it might be worth sending a DSAR just to see if there was a default notice issued. I think pt2537 might be interested in potential unfair terms.

it seems odd for it not to be defaulted if they are not adding any interest or charges.