Nationwide (merged)

System

TheMoneyMan wrote: »

Instead of spending so much time getting charges refunded. It would've made more sense to manage your finances properly in the first place!

Treat the cause...not the effect!

How useful.

May I suggest that this board is perhaps not for you, its whole purpose is for advice about bank charge reclaims, not for smug judgment.

OP: It is possible to reclaim unauthourised overdraft charges. Read Martins main article for a step by step.

Also try starting your own thread on the main board and you may get a more thorough response from someone more knowledgeable than myself!

Regards
UNDERGROUND

Doshamento

UNDERGROUND wrote: »

How useful.

May I suggest that this board is perhaps not for you, its whole purpose is for advice about bank charge reclaims, not for smug judgment.

OP: It is possible to reclaim unauthourised overdraft charges. Read Martins main article for a step by step.

Also try starting your own thread on the main board and you may get a more thorough response from someone more knowledgeable than myself!

Regards
UNDERGROUND

Here Here! :T

DONNA73_2

I am going for a hardship claim with the Nationwide, has anyone had experience and won with them? I have been looking on the forums but cannot see any winners!

TheMoneyMan

DONNA73 wrote: »

I am going for a hardship claim with the Nationwide, has anyone had experience and won with them? I have been looking on the forums but cannot see any winners!

As a manager at Nationwide, when I look at hardship claims we need to see all your incomings and outgoings, so please be prepared to show this information. They are very good at settling genuine hardship claims so as long as you can back up that it is a hardship case your charges should be refunded.

TheMoneyMan

Doshamento wrote: »

Here Here! :T

It is not passing judgement. It's the most helpful advice....manage your finances properly and there won't be any charges to claim.

Genuine hardship cases are different but just forgetting about direct debits etc. simply is not an excuse to have charges refunded.

System

TheMoneyMan wrote: »

As a manager at Nationwide

There's a surprise :eek:

UNDERGROUND

Doshamento

TheMoneyMan wrote: »

It is not passing judgement. It's the most helpful advice...
but just forgetting about direct debits etc. simply is not an excuse to have charges refunded.

Not even at £30 a time?

Please give me a breakdown of what that £30 charge consists of with Nationwide...and for me to understand your reasoning behind that charge?

TheMoneyMan

Doshamento wrote: »

Not even at £30 a time?

Please give me a breakdown of what that £30 charge consists of with Nationwide...and for me to understand your reasoning behind that charge?

What the charge consists of is irrelevant. When you open the account it is pointed out that failure to honour payments will result in a charge of £30. If you did not agree then you shouldn't have opened the account. No good moaning after!

stevebedford

TheMoneyMan wrote: »

What the charge consists of is irrelevant. When you open the account it is pointed out that failure to honour payments will result in a charge of £30. If you did not agree then you shouldn't have opened the account. No good moaning after!

What the charge consists of IS relevant because when you open the account it is not "pointed out to you" it is actually buried deeply in the terms and conditions, written in a) very small text that is almost unreadable and b) in language that is very unlikely to win any awards for plain English.

You may like to remember that Nationwide is a building society, a mutual organisation that is owned and run for the benefit of its members.

I am the first to agree that people should take full accountability for their personal finances and I am sure you hear and have to deal with some infuriating cases where people either haven't helped themselves or are blatantly trying to take you for a ride.

Equally, please remember that your "customers" (the collective owners of your employer) can and will make human errors (have you never made any yourself?) and to charge a fee of £30 and smugly point them to your terms and conditions will leave them with a very bitter taste and the feeling of having been blatantly ripped off.

bristolleedsfan

stevebedford wrote: »

What the charge consists of IS relevant because when you open the account it is not "pointed out to you" it is actually buried deeply in the terms and conditions, written in a) very small text that is almost unreadable and b) in language that is very unlikely to win any awards for plain English.

.

Isnt this as clear as daylight. :huh:

http://www.nationwide.co.uk/current_account/charges.htm