Santander are a bunch of cnuts anyway. I had an account with them since a child and opened one for my son. He was still a teen and they let his account go overdrawn by letting a payment go through on his card (he did not have an overdraft) then they charged him, by the time he realised he was over 200 in the red. I went to talk to them and they said they'd reverse it but they didn't so I gave him my account and let him rinse that, then i moved.........bubye