Can I reclaim charges from failed DD?

mrapoc

Basically on two occasions I was not expected O2 to take money out of my account (first time the date was not as expected and second time, I had cancelled but apparently I still owed money).

Anyway, on both times I did not have enough money in my account so I was charged £30 by Nationwide on both instances - totalling £60 within 3-4 months.

Do i have a case to claim? Hope so i'm skint (and a student) !!!

natweststaffmember

mrapoc wrote: »

Basically on two occasions I was not expected O2 to take money out of my account (first time the date was not as expected and second time, I had cancelled but apparently I still owed money).

Anyway, on both times I did not have enough money in my account so I was charged £30 by Nationwide on both instances - totalling £60 within 3-4 months.

Do i have a case to claim? Hope so i'm skint (and a student) !!!

If it is the first time you have had charges see if Nationwide will refund at least one of them as a gesture of goodwill, otherwise it's a standard reclaim which means writing to them and getting an acknowledgment and awaiting the OFT test case issues.

mrapoc

those two were the first and only times I have been charged

so shall I fill out one of the template letters and see what I get

natweststaffmember

mrapoc wrote: »

those two were the first and only times I have been charged

so shall I fill out one of the template letters and see what I get

Nope, just go into your local branch of Nationwide and ask politely and if they say no then it's template time

mrapoc

"Hello, I was charged for a bounced direct debit earlier in the year (state dates). I have been told I can claim these charges back now. Is it possible to claim my £60 in charges back? Thanks"

Kinda thing?

natweststaffmember

mrapoc wrote: »

"Hello, I was charged for a bounced direct debit earlier in the year (state dates). I have been told I can claim these charges back now. Is it possible to claim my £60 in charges back? Thanks"

Kinda thing?

No, you can use two different appoaches:
1) the oversight approach...ie it was an oversight on my part and I made an error and could they be so kind as to refund as a gesture of goodwill please
2) the cry approach or tearful approach: "I have never been charged before and my father will kill me, type thing(if young it might work ).

I think the approach you have mentioned is not gonna get far. William Shakespeare's plays usually had a foolish character in them who was the most knowledgeable of all. The dumb card is more likely to work than the "refund the charges or I'll claim" approach. Hope that makes sense.......I hope Engligh Lit students do not invade the thread and tell me that William Shakespeare didn't do this approach

mrapoc

but it happened back in like may so surely those two approaches wont work?

i'm like 18 unfortunately so the "dad will kill me" might be comical :rotfl:

kps1880

Hi,
I have had similar issues with Nationwide. Back in Jan last year I was unaware that a DD was to come out of my account and when it did I did not have the funds in there so I was charged £30! From that day I have been continually charged from Nationwide!
I contacted Nationwide and they said the following, "Our charges are clear to our customers under the T&C's" etc
Nationwide require you to settle accounts with 28days and if you fail to settle the account by the 29th day you are then charged a further £20. I tried to settle within this time but they were unclear as to when it started and so I had to keep inputting funds into the account to accommodate the overdraft.

I have since written the template letters supplied to Nationwide with all my reasons for them to refund me the charges (£180) but all they keep saying is that I have had sufficient funds in my other account (Barclays) to settle the account at that time. They compiled there decision from two income forms that I had to fill out on two separate occasions but the bottom line is that I had to borrow money from family to accommodate the overdraft from my Barclays to pay off the Nationwide charges!!
I have run out of patience with them as this is the same excuse they give on each letter.
I would like to know if I am wasting my time or whether I do have a case and if so, can you help?

Thanks
Scott

natweststaffmember

kps1880 wrote: »

Hi,
I have had similar issues with Nationwide. Back in Jan last year I was unaware that a DD was to come out of my account and when it did I did not have the funds in there so I was charged £30! From that day I have been continually charged from Nationwide!
I contacted Nationwide and they said the following, "Our charges are clear to our customers under the T&C's" etc
Nationwide require you to settle accounts with 28days and if you fail to settle the account by the 29th day you are then charged a further £20. I tried to settle within this time but they were unclear as to when it started and so I had to keep inputting funds into the account to accommodate the overdraft.

I have since written the template letters supplied to Nationwide with all my reasons for them to refund me the charges (£180) but all they keep saying is that I have had sufficient funds in my other account (Barclays) to settle the account at that time. They compiled there decision from two income forms that I had to fill out on two separate occasions but the bottom line is that I had to borrow money from family to accommodate the overdraft from my Barclays to pay off the Nationwide charges!!
I have run out of patience with them as this is the same excuse they give on each letter.
I would like to know if I am wasting my time or whether I do have a case and if so, can you help?

Thanks
Scott

You are making the wrong argument. The argument you need to make is that you corrected it as soon as you were aware and that you continued to do this in spite of the fact you were unaware(did you ask Nationwide staff the when question?) of how to stop the charges. With regards to the other account, it isn't financial hardship so a template UTCCR approach will not work for an immediate refund.