I'm being forced to pay for Santander's mistake

I took out a Debenhams store card, run by Santander, and spent £40. Neither the card nor a bill ever arrived, and I forgot about it. Eight months later I received a demand for £110 from a debt collecting agency. It transpired that someone had incorrectly transcribed my address and the mail had been going to the wrong house. Santander acknowledges the mistake and removed the £40, but I still had to pay £70 to the debt recovery agent. JO, Basford, Staffs Not only is it unfair, it is illogical for Santander to admit responsibility yet expect you to pay the penalty charges. No longer. It has now refunded the charges and added £75 to apologise. You can email Margaret Dibben at [email protected] or write to Margaret Dibben, Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU and include a telephone number. Do not enclose SAEs or original documents. The newspaper accepts no legal responsibility for advice.