Nationwide loan reversed, but payment taken!!

DCFC79

All the OP needs to do is put a complaint in with regards to the payment being taken when you were told the loan had been cancelled. Dont think you can demand they give you a loan (wish i could demand things but wont get me far apart from a few choice words or a 2 fingered sign). Not sure if you can get NW to remove the credit report entry removed but you can ask. Try elsewhere for a loan but make sure you make it clear your SE.

DCFC79

miketaff1408 wrote: »

Once again, I am staggered by the responses of some of the members responses on this forum to a situation posted by the OP.

Sorry if my reply wasn't in line with what you expected

Put yourself in his position - YOU had applied for this loan and had thought you had been accepted, received all the paperwork and were just waiting for the money to be cleared, money that you were banking on. Money for the biggest day of your life - your wedding. Or maybe for a brand new car - loan approved so you head down to the dealer and put your deposit down. Then the rug is pulled from under you. I guarantee that each and every one of you would be absolutely LIVID and spitting feathers. I know I would.

I dont actually spit feathers, id be a bit peeved but entirely calm about it all.

Actually i couldn't see myself taking (partly due to job) out a 20k loan for a wedding or a car as too extravagant for a wedding that would last for a day plus would be paying for it for years to come.

Apples2

TheKeyMaker wrote: »

Consequences # 3 (some of us call it credit rating record)
- Had a payment of £430 illegally taken from my account by nationwide, which did lead to:
o Miss of DD’s payments to:
 02 – My mobile phone provider
 Sky (self explanatory)
 Council Tax (also self-explanatory)

Dears Dedicated Diehard Moneysavingexpert Devote’s, Fervent Moneysavingexpert Super Fan’s: I’m happy to make that one phone call, to whom you claim that would sort out everything; just tell me to whom: GOD? Whoever? ….
...otherwise I might just choose to sue Nationwide ...

Edited to correct typos

Sorry dude, with that, what little credibility you did have has just disappeared.

Are you seriously saying all that happened in a matter of days due to ONE direct Debit payment coming out of your account?

ONE Direct Debit payment you aways thought you WERE going to make had you got the loan?

ONE Direct Debit payment you had already budgeted for before applying for a loan which you could "easily afford" along with all your current commitments?


Bottom line is, a simple mistake was made due to your unauthodox employment status. This mistake caused a few issue for you.
Make a complaint to the bank, claim the DD back again and ask for a "little something" for your inconveneince.

You are free to Sue whoever you like but winning something substantial is unlikely.
I wish the future MrsKeyMaker the very best of luck, she is going to need it.

TheKeyMaker

Apples2 wrote: »

Sorry dude, with that, what little credibility you did have has just disappeared.

Really???

And how did you decide that? Is that the number of stars which allows you and gives you a mandate to make such verdict, even though you don’t know me?

Please make an effort and read carefully through. If I work via a limited company, means that presumably I do get paid into a business account.

Then I carefully transfer my money to my accounts accordingly my budget plan; sorry, but I’m a bit old fashion here - I do plan things.
Perhaps my fault was that I didn’t pick up that Nationwide would take a payment from my nominated account for a loan that I didn’t receive – but that sounds illegal to me, don’t you think?

Apples2

So rather than transfer 400 quid you retracted all the wedding invites and cancelled all the venue bookings?

Please stop it, you're getting more silly at each post.

TheKeyMaker

Somehow I had the feeling that you haven’t read my threats and you are out of sync, perhaps busy cutting and pasting…

Honestly, you might want do yourself a favour: Read it all before you jump in and paste your replies!

Edited to correct typos

oscar52

Apples2 wrote: »

So rather than transfer 400 quid you retracted all the wedding invites and cancelled all the venue bookings?

Please stop it, you're getting more silly at each post.

Why would someone transfer £400 to pay for a DD to a loan that they never recieved the funds for?

Would you pay for something that you didnt recieve?? Whos being silly now?

Apples2

oscar52 wrote: »

Why would someone transfer £400 to pay for a DD to a loan that they never recieved the funds for?

Would you pay for something that you didnt recieve?? Whos being silly now?

the 400 had already been taken by NW. That's the important bit Oscar, there is no choice to make, it's already gone.

The transfer money was to pay the bills whilst this "simple" pickle is resolved.

oscar52

Apples2 wrote: »

the 400 had already been taken by NW. That's the important bit Oscar, there is no choice to make, it's already gone.

The transfer money was to pay the bills whilst this "simple" pickle is resolved.

Fair point. However, no where in the thread does the OP state when the other DDs were due to leave the account, just that they hadnt been paid.

Maybe the were all due to leave on the same day, maybe the day after. Personally, I dont check my account on a daily basis - two or three times a week maybe. I certainly wouldnt check to see if a DD for a loan I didnt have had gone out meaning I couldnt pay the rest of my bills.

TheKeyMaker

Apples2 wrote: »

the 400 had already been taken by NW. That's the important bit Oscar, there is no choice to make, it's already gone.

The transfer money was to pay the bills whilst this "simple" pickle is resolved.

Sorry not to be around my computer and internet, but at the time I was 5010 miles away from UK (15 hours by plane + 12 hours train + 50 minutes by helicopter) in an offshore oil platform in the middle of the sea just off Sakhalin Island (not far from Sapporo - Japan).

Besides, queuing up for a computer with internet in order to check my bank accounts on daily basis to make sure my bills are paid, is not the first thing which comes to my mind after a 12 hours shift, because I was pretty sure that I have already done that.

So, should I just go ahead and write an apology letter to Nationwide for my oversight?