Nationwide (merged)

parki

Im just in the process of writing my letter for 6 years statements with Nationwide, and today i received an e mail saying my bank refused to pay the Direct Debit which was £2.50 .I had £1.60 in the bank but the Direct Debit should not of been took out until the 1st of Dec,this was for my telephone calls .My benefits dont go in until 21st of Nov.Its only a basic account .I will have to go and put this money in tommorow incase the telephone company reproduce it again.Can i also claim this back when i send my formal letter in as they dont normaly take the money until the following month.They already owe me about £350 in charges they have taken out over the years.Im worried that if they close my account down i will find it hard to open another account which i can use for DD as my partner cannot open one as he was made Bankrupt last november due to unforseeen cicumstances.Any help would be appreciated.

Red_Panda_2

Edinburghlass wrote:

Can I just point out to users that links to CAG will not work as you have to be a registered user there to access the forums. It is certainly worth people signing up to CAG to be able to read the wealth of information there.

You can view the forums without being a member, so if you just want to go and have a look and get information you can without signing up - you have to sign up to post and to access the library for letter templates etc.
Absolutely agree though it is worth going over there as there is so much good information

mark1968_2

just wrote my 1st letter to the nationwide claiming back just over £2000
with interest will keep people in touch with any development would like to
hear from other people who are claiming against nationwide to see how they
are getting on or got on thanks

D36Luton

Hi all

firstly id like to say a big hi to all, Martin & Radio2 have been a valuable source of important information.

Ok im trying to recover around £1300 in charges and interest from my building society they sent me a letter this morning,

The basic out line is as follows:

They thanked me for taking the time to get in touch and went on to say they are aware of speculation about fees and charges in the media and that the Office of fair trading has issued a directive regarding credit cards.

The second paragraph goes on to say that if they allow payment of unpaid DD and other items they make charges in accordance with the terms and conditions laid out when i signed up for the account and i signed an acceptance of these charges.

the third paragraph went on to say that the nationwide is open and transparent regarding its fees and openly include charges debited on all its statements and if i feel i cannot abide with the tariffs then it may be wise to open another account else where.

and lastly they said they are unable to refund my charges and give me a contact to discuss the matter.


Is this kind of letter what everyone else gets and if so can i now go to stage three a letter concerning court action?

i mentioned in the first letter that i have account records for two years but withold the right to claim for the five years, however that turns out to be six years and how do i get them to release that detail to me now ive written to them? it may be now they might refuse to give me the details i need to claim all amounts. I gave them the chance to settle for the two years i have records from but they are not even going to entertain that either.

so where do i stand now on this matter.

Regards David from Luton

PS: it would be a good thing to be able to upload letters to this site so all can see the exact language used in replys from Banks ect, unless ive missed something you can only upload urls.

Edinburghlass_2

Welcome to MSE David, I'll just pop your post into the thread about Nationwide.

Did you send the DATA Protection letter with the £10 to ask for all your details and have they refused to give this?

D36Luton

Edinburghlass wrote:

Welcome to MSE David, I'll just pop your post into the thread about Nationwide.

Did you send the DATA Protection letter with the £10 to ask for all your details and have they refused to give this?

No I didnt do that, i used the letter template for the first letter asking for the charges i know i have data for. im assuming now that it may be too late to ask as ive had a reply from them, my next move is the court i guess.

Dave

Edinburghlass_2

From what I read from your post you said you reserved the right to go back further? If so I would start at the beginning with them now and send the £10 for all the information going back 6 years.

becky004

Hello
Am after a bit of information. Have now sent off both the 1st and 2nd letter templates to the Pipers Way address. Both were sent recorded delivery and are showing on the Royal Mail site as being received. They have responded to neither the original request nor the second letter sent 1 week ago.
Is this normal? Or have I sent the letters to the wrong address?
What should my next step be?
Thanks in advance.

jazoo

Hi there,

I'm also thinking of re-claiming my bank charges from nationwide. Having gone through all of my statements for the past 2-3 years (I've only had the account that long) I've realised they've charged me about £300. £340 if you include the interest. :mad:

My worry is though, it seems that some people have gotten their accounts closed due to them not willing to agree to the T&C of the account. As a student all my fees and rent payments go into and out from this account and I not sure whether i should wait until my next payment to give myself the chance to get everything sorted properly. I do also have my Natwest account (with no charges) but prefer having the 2 separate. I was thinking that if I had to move I'd go and apply for a A&L premier debit account.

So whilst I want to be able to get my money back, I don't want to lose my account and any credit that's in there.

dips1105

After being advised on a different forum about reclaiming bank charges to Nationwide I sent a basic letter - which I still have - to ask them to refund. They have replied saying No and that they acted fairly. Where can I go from here?

Also I see I can claim charges going back 6 years with closed accounts. I had a halifax account for which I cannot remember the account number and probably won't find any paperwork relating to it. How can I reclaim these charges?

Any Helpwould be grateful recieved!!!