Has your bank closed your account?

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Elixir wrote: »

Cool, thanks. I best get studying all this reclaiming lark then.

Bit scary, LOL

Dont be scared, if you get wobbly look at the success threads for a confidence boost.

Good luck

Elixir

Thankies

phil_kirsty

hi all ive got a question my partner keeps asking me but i just keep saying they cannot do it ,we are claiming our bank charges back from halifax £1396 and we have a mortgage with halifax also can they close or take away our mortgage account i said surly not as we have had the mortgage 5 years out of 20 years
thanks guys

Twinkly

phil_kirsty wrote: »

hi all ive got a question my partner keeps asking me but i just keep saying they cannot do it ,we are claiming our bank charges back from halifax £1396 and we have a mortgage with halifax also can they close or take away our mortgage account i said surly not as we have had the mortgage 5 years out of 20 years
thanks guys

I think technically they cant touch the mortgage as it is a seperate agreement. If it is in arrears they will have the right to set off any refund against that though.

Good luck

phil_kirsty

fortunately not in any arrears so thank god for that m getting ready to send my second letter of now not waiting there 8 week time scale
thanks alot

nelladonna

Hi, this is my first post at this forum.

I have a few accounts at Nationwide, the most important being a joint account with my husband with all the direct debits to pay all the bills in our life. While I really want to claim charges, I am worried about losing the account. Also, NW does have good rates for overdrafts compared to other "banks".

So a few questions:

One, should I change all our direct debits before I start the process of claiming, or can I wait a while?

Is there another account at another bank with good OD interest rates that I would be advised to change to?

Is it important to get moving now, before the ruling about this happens?

Thanks for your feedback in advance. I think that I will have a significant amount to reclaim. NW have been charging OTT fees when cheques bounce for instance.

I need a bit of encouragement! It all seems a bit scary.

S.

robbie1944

Hi
Yes the nationwide closed my flexi account as soon as they repaid my money
regards
bob

youcrazyboy

Capital One closed my Visa Card as soon as they paid up over 500 quid.

Superstar1

Last night I went on moneyclaim online and started off my claim with Halifax. The are in the process today in sending it to them :j :T Im so scared though! They said they havent received my letter even though I posted it recorded delivery and have a copy of a signature. Not my fault they lost the letter I aint sending it again (this happened on the 10th day). So court proceedings started today. :eek:

Not too bothered about them closing my account as have others I can use but what about my credit card, owe £1800 they cant demand this can they (im not in arears either).

jojo.lo

I THOUGHT I WOULD LET YOU KNOW THAT AFTER RE-CLAIMING £800 FROM NATIONWIDE THEY DECIDED TO CLOSE MY ACCOUNT. AFTER READING ABOUNT THE ABBEY HAVING TO PAY COMPENSATION FOR DOING THIS I DECIDED TO CHALLENGE THE DECISION. I SENT A LETTER ALONG THE LINES OF
You say I am unwilling to conduct my account in accordance with your terms and conditions. Would your decision be based on the fact that I have just recovered unfair bank charges from yourselves or based on the whole history of the account?
I feel to that your decision to close my account in retaliation to reclaiming unfair bank fees would be unfair and retaliatory.
ETC ETC WITH A FEW FACTS ABOUT OVERDRAFT REVIEWS, BALANCE OF MY ACCOUNT NOW ETC
HOPE THIS HELPS ANYBODY THAT WOULD LIKE TO KEET THEIR ACCOUNT OPEN BUT STILL RE-CLAIM CHARGES:rotfl: