Nationwide (merged)

wiggum

Hi, I have £165 of direct debit fees and i'm going to try and reclaim.
I just wanted to confirm if they do close my account, am i expected to pay
my overdraft?.
I would of thought of course but just wanted to check.

Thanks

Twinkly

wiggum wrote: »

Hi, I have £165 of direct debit fees and i'm going to try and reclaim.
I just wanted to confirm if they do close my account, am i expected to pay
my overdraft?.
I would of thought of course but just wanted to check.

Thanks

Yes you will be expected to pay the overdraft back. If they close the account and recall the overdraft make complaint to the Financial Ombudsman and you may receive compensation for this as it is clearly in retaliation for reclaiming your charges.

Two cases of compensation paid for closure of bank accounts:
http://www.financial-ombudsman.org.uk/faq/answers/bank-charges_a8.html

Good luck

becksta22

Liberty4 wrote: »

Hi, I am new to the forum but have to agree with everyone that this truly is a great site. My query is that I have followed the first two steps but Nationwide have still refused to pay back the charges. I am a full time carer for both my parents and I am very concerned about going to court. I don't have a lot of money and can't afford to go to court and lose. Has anybody else had dealings with Nationwide and had the same problems? If so did you proceed and what happened? I am desperate for advice on this. I am not talking a vast amount, only £600 + interest. Many thanks for any help.

Liberty4

hi ya i put my claim in last wedns but havent heard anything yet i am at college and didnt have to pay the court fees.have u cheked if u have to pay the court fees or not???

charmaine25

Hi

I have had the list of my charges back and posted the letter requesting my money back. The letter was recieved by Nationwide on 26th April.
I came home from work today to find a letter from ROXBURGE debt collectors. This is the 2nd letter they have sent me. I rang them again and told them that the account was in dispute and I was awaiting Nationwides reply to my prelim letter.
They asked me to pay a settlement amount and I said no as the account was in dispute and the whole point of this was that I was trying to claim my money back, not pay another £250 in charges!
He said very well madam we will issue a summons to you.
I am a bit worried now as he was going on about CCJ'S etc, Nationwide have already registered a default against me for non payment of charges. In addition to the £964 I have already paid them (the amount I am trying to claim back). I just refused to pay anymore as I had opened a new account and wasn't aware that they were still charging me.

What should I do, has anyone else had this sort of threat?:mad:

Miss_H

I have posted a letter (recorded delivery) today to Nationwide asking for £304.00 in bank charges.

I'm hoping because its a small amount, I won't get too much of a run around. Not holding my breath though.

chelseablue

My bf posted the first template letter asking for bank statements to Nationwide on 3 April. He enclosed a cheque for £10.

As yet there has been no response (and they havnt processed the cheque)

Do you think its worth asking if they have received the letter and what is happening?

He posted it to his local branch

Thanks

bobbadog

I wouldn't rush yet. They have 40 days... my OH applied for his from Nationwide and recieved them on day 38. They take their time x

sammied

I WISH I HAD READ THESE THREADS A LOT MORE I AM CLAIMING MY BANK CHARGES FROM NATIONWIDE I AM AT THE STAGE NOW WHERE I HAVE JUST FILLED A CLAIM WITH MONYCLAIM BUT ON MY CLAIM I PUT THE ADDRESS OF THE BANK THAT I USE AFTER READING MORE OF THE THREADS IM WONDERING IF I SHOULD HAVE PUT THE HEAD OFFICE ADDRESS THE LETTERS I HAVE ALREADY SENT HAVE BEEN ANSWERED HOPE I NOT GIVEN THEM REASON TO FIGHT THE CASE :money:

Bewitched2761

some people use the head office, some use their local branch address doesnt seem to make any difference

wendy_woo_6

o my goodness i have only just gone and filed my husbands claim on line for over 10k and am really pooping my self now. can any one tell me what happens next?:eek: