09012931281999 BX0098

Essentials Current Account

Telephone Banking, enquiries or lost or

MISS PRAJAKTA MILIND JOSHI stolen cards 0800 9 123 123, open 24
F-1 25, ST MARK'S RESIDENCES ST MARKS STREET hours a day 7 days a week.
LEEDS
To help us maintain and improve our
LS2 9EL
customer service we may monitor or record
your calls.

For the hard of hearing and/or speech

%%SSC impaired, Text Relay service available 18001
0800 9 123 123
?
Online Banking service and information
available at www.santander.co.uk
Santander, 9 Nelson Street, Bradford, West
Yorkshire, BD1 5AN.

Online, Mobile and Telephone Banking

ID 4221920579 P JOSHI

Your account summary for

3rd Jan 2019 to 2nd Feb 2019
Account name MISS PRAJAKTA MILIND JOSHI
Account number: 31281999 Sort Code: 09 01 29 Statement number: 02/2019
BIC: ABBYGB2LXXX IBAN: GB75 ABBY 0901 2931 2819 99
Balance brought forward from 2nd Jan Statement £1,862.86
Total money in: £3,829.89 News and information
Total money out: -£2,272.36
Changes to our contact centre opening hours
Your balance at close of business 2nd Feb 2019 £3,420.39
We want to let you know that from 4 March
Credit interest rate: No credit interest is paid on this account. 2019, our contact centre opening hours are
changing to Monday to Friday 8am to 8pm and
Interest and refunds paid this period Saturday & Sunday 8am to 6pm.
Date Why we are paying you Amount
Some letters and emails may continue to show a
3rd Jan Interest on your credit balance £0.00 weekday closing time of 9pm for a while, so
please be aware of the hours above.

If you need to speak to us about lost or stolen

cards and fraud or Select, we’re available 24
hours a day, 7 days a week.

Cheques paid sooner

Pay a cheque in at a Santander branch or cash

machine before the cut-off time on a working day
and, as long as the cheque isn’t returned to us as
unpaid, you’ll get the funds by 11:59pm the next
working day. An extra working day should be
added for cheques paid in at the Post Office.

A ‘working day’ means any day other than a

Saturday, a Sunday or English public holiday. The
cut-off time for cheques paid in using a
Santander cash machine is 8pm. For cheques paid
in over the counter in a Santander branch, the
cut-off time is when the branch closes on that
day. Please note we don’t process cheques on
non-working days.

BX0098010101_23012018 Continued on reverse....

Page number: 1 of 3
 Account name: MISS PRAJAKTA MILIND JOSHI
Account number: 31281999 (Sort Code 09 01 29)
Statement number: 02/2019 Page number: 2 of 3
001534253001783433

Important Messages
Important information about compensation arrangements: We are covered by the Financial Services Compensation Scheme (“FSCS”).
The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. The account(s) shown in this statement are
eligible for compensation under the scheme. Santander UK plc is an authorised deposit taker and accepts deposits under this name and the
cahoot and Santander Corporate & Commercial Bank trading names.
Further details can be found in the FSCS Information Sheet and Exclusions List, a copy of which is available in your local Santander branch.

For further information about the compensation provided by the FSCS, refer to the FSCS website at
www.FSCS.org.uk.

For Customers with an Overdraft. If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are
not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If
you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to
contact the Ombudsman.
Your Essentials Current Account has a monthly cap for Unarranged Overdraft fees of £50. More information about the caps on your Essentials
Current Account can be found in the Key Facts Document.
Monthly cap on Unarranged Overdraft charges - Each current account will set a monthly maximum charge for going overdrawn when you have
not arranged an overdraft; or going over/past your Arranged Overdraft limit (if you have one). This cap covers any interest and fees for going
over/past your Arranged Overdraft limit; fees for each payment your bank allows despite lack of funds; and fees for each payment your bank
refuses due to lack of funds.
Details of rates and charges can be found in your Interest Rates and Fees Information.
If you need another copy, please call into your local branch or visit www.santander.co.uk. Interest or fees will be calculated daily on any
outstanding overdrawn balance.
AER explained - AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your
account each year. Gross rate explained - The gross rate is the interest rate we pay where no income tax has been deducted.
Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747.
Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial
Services Register number is 106054. Santander and the flame logo are registered trademarks.

Date Average balance for the month Amount

2nd Feb Average credit balance £4,081.48

Your transactions 3rd Jan 2019 to 2nd Feb 2019

Date Description Money in Money out £ Balance
3rd Jan Balance brought forward from previous statement 1,862.86
3rd Jan CARD PAYMENT TO Lebara,10.00 GBP, RATE 1.00/GBP ON 01-01-2019 10.00 1,852.86
3rd Jan ACCOUNT FEE 1.00 1,851.86
4th Jan FASTER PAYMENTS RECEIPT REF.PAYMENT FROM LAWRENCE M 18.38 1,870.24
4th Jan CARD PAYMENT TO NATIONAL EXPRESS LIMITED,15.00 GBP, RATE 1.00/GBP ON 15.00 1,855.24
02-01-2019
4th Jan BILL PAYMENT VIA FASTER PAYMENT TO P R Kunaparaju REFERENCE Pavan , MANDATE 10.00 1,845.24
NO 6
5th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-03 2.09 1,847.33
5th Jan CARD PAYMENT TO ASDA GROCERIES ONLINE,39.75 GBP, RATE 1.00/GBP ON 03-01-2019 39.75 1,807.58
5th Jan CARD PAYMENT TO TRAINLINE,67.95 GBP, RATE 1.00/GBP ON 03-01-2019 67.95 1,739.63
7th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-04 0.95 1,740.58
7th Jan CARD PAYMENT TO NATIONAL EXPRESS LIMITED,26.00 GBP, RATE 1.00/GBP ON 26.00 1,714.58
04-01-2019
7th Jan CARD PAYMENT TO UBER TRIP ACYNX HELP.UBER,5.81 GBP, RATE 1.00/GBP ON 5.81 1,708.77
04-01-2019
7th Jan CARD PAYMENT TO ARDEN NEWS 60181/061,8.23 GBP, RATE 1.00/GBP ON 04-01-2019 8.23 1,700.54
8th Jan FASTER PAYMENTS RECEIPT REF.PAYMENT FROM LAWRENCE M 7.73 1,708.27
8th Jan FASTER PAYMENTS RECEIPT REF.ASDA ORDER FROM GOYAL A 7.48 1,715.75
9th Jan TRANSFER FROM JOSHI PRAJAKTA 72 SANT SHREE A. REF: 0015 3425 696 3,658.00 5,373.75
0544050
10th Jan CARD PAYMENT TO PUMPKIN CAFE,3.10 GBP, RATE 1.00/GBP ON 08-01-2019 3.10 5,370.65
10th Jan CARD PAYMENT TO BOOTS/0502,20.55 GBP, RATE 1.00/GBP ON 08-01-2019 20.55 5,350.10
10th Jan CARD PAYMENT TO SAINSBURYS S/MKTS,4.55 GBP, RATE 1.00/GBP ON 08-01-2019 4.55 5,345.55
10th Jan CARD PAYMENT TO J D WETHERSPOON PLC,6.49 GBP, RATE 1.00/GBP ON 08-01-2019 6.49 5,339.06
10th Jan CARD PAYMENT TO J D WETHERSPOON PLC,4.25 GBP, RATE 1.00/GBP ON 08-01-2019 4.25 5,334.81
10th Jan CARD PAYMENT TO J D WETHERSPOON PLC,2.99 GBP, RATE 1.00/GBP ON 08-01-2019 2.99 5,331.82
10th Jan FASTER PAYMENTS RECEIPT REF.ADIDAS FROM GOYAL A 39.00 5,370.82
 Account name: MISS PRAJAKTA MILIND JOSHI
Account number: 31281999 (Sort Code 09 01 29)
Statement number: 02/2019 Page number: 3 of 3
001534253001783433

Date Description Money in Money out £ Balance

10th Jan BILL PAYMENT FROM MISS SIMRAN RANJIT DESHMUKH, REFERENCE cab 3.00 5,373.82
11th Jan CARD PAYMENT TO UBER TRIP D7FNL HELP.UBER,4.00 GBP, RATE 1.00/GBP ON 4.00 5,369.82
09-01-2019
11th Jan CARD PAYMENT TO ASDA GROCERIES ONLINE,47.62 GBP, RATE 1.00/GBP ON 09-01-2019 47.62 5,322.20
11th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-09 2.89 5,325.09
11th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-09 13.00 5,338.09
12th Jan CARD PAYMENT TO adidas UK Limited,20.78 GBP, RATE 1.00/GBP ON 10-01-2019 20.78 5,317.31
14th Jan CARD PAYMENT TO CAFFE NERO,4.63 GBP, RATE 1.00/GBP ON 11-01-2019 4.63 5,312.68
15th Jan CARD PAYMENT TO adidas UK Limited,37.84 GBP, RATE 1.00/GBP ON 12-01-2019 37.84 5,274.84
15th Jan CARD PAYMENT TO WLY*COMPLETESAVE.CO.UK,15.00 GBP, RATE 1.00/GBP ON 15.00 5,259.84
12-01-2019
17th Jan CARD PAYMENT TO SHAWARMA,14.60 GBP, RATE 1.00/GBP ON 15-01-2019 14.60 5,245.24
18th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-16 2.30 5,247.54
18th Jan CARD PAYMENT TO ASDA GROCERIES ONLINE,32.38 GBP, RATE 1.00/GBP ON 16-01-2019 32.38 5,215.16
18th Jan FASTER PAYMENTS RECEIPT REF.PAYMENT FROM LAWRENCE M 5.80 5,220.96
19th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-17 0.54 5,221.50
19th Jan CARD PAYMENT TO J D WETHERSPOON PLC,37.40 GBP, RATE 1.00/GBP ON 17-01-2019 37.40 5,184.10
19th Jan CARD PAYMENT TO J D WETHERSPOON PLC,19.35 GBP, RATE 1.00/GBP ON 17-01-2019 19.35 5,164.75
19th Jan CARD PAYMENT TO J D WETHERSPOON PLC,1.90 GBP, RATE 1.00/GBP ON 17-01-2019 1.90 5,162.85
19th Jan CARD PAYMENT TO UBER TRIP NCG3U HELP.UBER,4.80 GBP, RATE 1.00/GBP ON 4.80 5,158.05
17-01-2019
21st Jan CARD PAYMENT TO DELIVEROO.CO.UK,9.02 GBP, RATE 1.00/GBP ON 18-01-2019 9.02 5,149.03
21st Jan BILL PAYMENT FROM MS NEHA SINGH, REFERENCE neha food bill 9.00 5,158.03
22nd Jan DIRECT DEBIT PAYMENT TO UNIVERSITY OF LEED REF R201285090, MANDATE NO 0001 886.15 4,271.88
22nd Jan CARD PAYMENT TO WP-UNIVERSITY OF L,5.00 GBP, RATE 1.00/GBP ON 20-01-2019 5.00 4,266.88
22nd Jan BILL PAYMENT FROM MISS SIMRAN RANJIT DESHMUKH, REFERENCE CAB 3.00 4,269.88
23rd Jan CARD PAYMENT TO Lebara,5.00 GBP, RATE 1.00/GBP ON 21-01-2019 5.00 4,264.88
24th Jan FASTER PAYMENTS RECEIPT REF.PAYMENT FROM LAWRENCE M 11.28 4,276.16
24th Jan CARD PAYMENT TO Swarovski Crystal Onli,35.05 GBP, RATE 1.00/GBP ON 22-01-2019 35.05 4,241.11
24th Jan CARD PAYMENT TO PICKARDS TEA ROOM,3.30 GBP, RATE 1.00/GBP ON 22-01-2019 3.30 4,237.81
24th Jan CARD PAYMENT TO CAFFE NERO,5.76 GBP, RATE 1.00/GBP ON 22-01-2019 5.76 4,232.05
24th Jan CARD PAYMENT TO TESCO STORES 5941,5.50 GBP, RATE 1.00/GBP ON 22-01-2019 5.50 4,226.55
25th Jan FASTER PAYMENTS RECEIPT REF.ASDA ORDER FROM GOYAL A 3.76 4,230.31
25th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-23 1.48 4,231.79
25th Jan CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-23 10.00 4,241.79
25th Jan CARD PAYMENT TO ASDA GROCERIES ONLINE,55.04 GBP, RATE 1.00/GBP ON 23-01-2019 55.04 4,186.75
26th Jan CARD PAYMENT TO COMPTOIR LEEDS,16.00 GBP, RATE 1.00/GBP ON 24-01-2019 16.00 4,170.75
29th Jan FASTER PAYMENTS RECEIPT REF.ASDA ORDER FROM GOYAL A 8.54 4,179.29
30th Jan CARD PAYMENT TO VIR ATL 9327279334404,873.91 USD, RATE 0.76/GBP ON 683.55 3,495.74
25-01-2019 NON-STERLING TRANSACTION FEE 18,29/GBP
30th Jan FOREIGN CURRENCY PURCHASE FEE 1.25 3,494.49
30th Jan CARD PAYMENT TO LEEDS TICKETS,20.00 GBP, RATE 1.00/GBP ON 28-01-2019 20.00 3,474.49
31st Jan CARD PAYMENT TO LUBS,3.05 GBP, RATE 1.00/GBP ON 29-01-2019 3.05 3,471.44
31st Jan CARD PAYMENT TO LUBS,4.65 GBP, RATE 1.00/GBP ON 29-01-2019 4.65 3,466.79
31st Jan CARD PAYMENT TO CAFFE NERO,4.60 GBP, RATE 1.00/GBP ON 29-01-2019 4.60 3,462.19
31st Jan CARD PAYMENT TO LEEDS TICKETS,3.00 GBP, RATE 1.00/GBP ON 29-01-2019 3.00 3,459.19
31st Jan FASTER PAYMENTS RECEIPT REF.PAYMENT FROM LAWRENCE M 17.40 3,476.59
31st Jan BILL PAYMENT VIA FASTER PAYMENT TO YUTING HOU REFERENCE DINNER PAYMENT , 4.30 3,472.29
MANDATE NO 3
1st Feb CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-30 2.02 3,474.31
1st Feb CREDIT FROM ASDA GROCERIES ONLINE ON 2019-01-30 2.25 3,476.56
1st Feb CARD PAYMENT TO ASDA GROCERIES ONLINE,42.77 GBP, RATE 1.00/GBP ON 30-01-2019 42.77 3,433.79
2nd Feb CARD PAYMENT TO LUBS,3.40 GBP, RATE 1.00/GBP ON 31-01-2019 3.40 3,430.39
2nd Feb CARD PAYMENT TO Lebara,10.00 GBP, RATE 1.00/GBP ON 31-01-2019 10.00 3,420.39
2nd Feb Balance carried forward to next statement: 3,420.39