Fuming with Nationwide

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Hi

Bloody furious with Nationwide c/c, went to use my card last night to pay for a holiday, it wouldn't work so I used another card, went to pay for my Tesco shopping wouldn't work. I did however notice that it was due to be renewed!!!! or so I thought!!! in May, so tonight I called them to be told they had decided not to reissue me with another card :mad:, when I asked why she said maybe because of bad credit ( I told her no way) or maybe I wasn't using it enough, I use it about 5 times a month for all different things.............
I then asked when was I to receive a letter telling me this, she said Oh we wouldn't send one its just a decision that has been made, I said oh that's great customer service :rotfl: I am in credit with them so she says shall I put this money to go back in your bank account, close your account and then you can reapply for another one with us in 72 hours......................:eek:I said are you serious, you want me to reapply to a company that doesnt have the decency to tell me it has cancelled my card.............
Imagine had I been out of the country with only that card, but then they don't give a stuff do they.................

I am so mad right now

samx
Sam B
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  • MrSilk
    MrSilk Posts: 1,507 Forumite
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    Hi samuela66,

    Have you checked your credit file for any errors, or maybe even entries that should not be there?
  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
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    samuela66 wrote: »
    I am in credit with them so she says shall I put this money to go back in your bank account, close your account and then you can reapply for another one with us in 72 hours.

    That may be the reason they closed the account. Deliberately putting a Credit Card in credit is usually against the T&Cs and sets other alarm bells ringing.

    There are, of course, other reasons for a Credit Card to be in credit, for example if a refund was made it to.

    Did you deliberately put your Credit Card account in to credit? If so, do you do it regularly?
  • samuela66
    samuela66 Posts: 1,200 Forumite
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    SnowTiger wrote: »
    That may be the reason they closed the account. Deliberately putting a Credit Card in credit is usually against the T&Cs and sets other alarm bells ringing.

    There are, of course, other reasons for a Credit Card to be in credit, for example if a refund was made it to.

    Did you deliberately put your Credit Card account in to credit? If so, do you do it regularly?


    No, I just happened to pay some extra off as I thought I owed more than I did I am only £20 in credit, why would that sealarm bells ringing if you dont mind me asking :p
    Sam B
  • MrSilk
    MrSilk Posts: 1,507 Forumite
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    samuela66 wrote: »
    No, I just happened to pay some extra off as I thought I owed more than I did I am only £20 in credit, why would that sealarm bells ringing if you dont mind me asking :p

    Again, have you checked your credit file with all three CRA's?

    Maybe you've been a victim of fraud?
  • guesswho2000
    guesswho2000 Posts: 1,703 Forumite
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    MrSilk wrote: »
    Again, have you checked your credit file with all three CRA's?

    Maybe you've been a victim of fraud?

    I'm with MrSilk on this one, seems odd that they'd decline to renew your card unless there's something amiss somewhere.
  • giblet10
    giblet10 Posts: 494 Forumite
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    Sorry to hear about that Samuel - although I'm afraid Nationwide showed just as much towards me..

    I use another bank now.

    Oh, and be ready for the nitpickers who'll be along shortly to tell you "Nationwide isn't a bank.."
    Never argue with an idiot. Especially not this idiot because I'm always right anyway.
  • You-kip
    You-kip Posts: 499 Forumite
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    giblet10 wrote: »
    Sorry to hear about that Samuel - although I'm afraid Nationwide showed just as much towards me..

    I use another bank now.

    Oh, and be ready for the nitpickers who'll be along shortly to tell you "Nationwide isn't a bank.."

    Bank or building society they all give the same useless pathetic savings rates so they are basically the same to me.
  • Mozette
    Mozette Posts: 2,247 Forumite
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    samuela66 wrote: »
    No, I just happened to pay some extra off as I thought I owed more than I did I am only £20 in credit, why would that sealarm bells ringing if you dont mind me asking :p

    If you were a lot in credit you might be money laundering (you'd only said you were in credit, not by how much). Shouldn't think £20 one time would ring any bells though. I would definitely check your credit reports and make sure there's no fraud.
  • samuela66
    samuela66 Posts: 1,200 Forumite
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    Well just to keep you in the loop, I have filled the form in for Experian, it will take a few days I think for me to receive it, tried to fill in Equifax, it gave me an error and asked me to call a number, I did, spent twenty minutes trying to prove I am me, she kept asking me about mortgages and loans (have neither), I have used a couple of credit cards, generally pay for a holiday with it, then use the 0% to pay it off! So anyway I have to send Equifax proof of me ie driving licence and bill.

    Then I go home at lunchtime today and there is a letter from Nationwide which was dated 15 April saying we have decided to suspend your account with immediate effect, we take action where we believe there is a risk, with their terms of agreement with Experian they are unable to provide me with a copy of the information, also they have looked at how other aco!!!!s have been managed both with Nationwide and outside of the society, it also talks about the other amount of borrowing I have!!!!:eek: (none honest)

    So now I am terrified as I really think something bad has happened.........I dont have a mortgage, loans, HP, catalogues nothing!!

    Now I need to know if there is something bad going on how hard is it it to prove I havent done it......

    Many thanks
    sam:(
    Sam B
  • emsjune78
    emsjune78 Posts: 569 Forumite
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    samuela66 wrote: »
    Well just to keep you in the loop, I have filled the form in for Experian, it will take a few days I think for me to receive it, tried to fill in Equifax, it gave me an error and asked me to call a number, I did, spent twenty minutes trying to prove I am me, she kept asking me about mortgages and loans (have neither), I have used a couple of credit cards, generally pay for a holiday with it, then use the 0% to pay it off! So anyway I have to send Equifax proof of me ie driving licence and bill.

    Then I go home at lunchtime today and there is a letter from Nationwide which was dated 15 April saying we have decided to suspend your account with immediate effect, we take action where we believe there is a risk, with their terms of agreement with Experian they are unable to provide me with a copy of the information, also they have looked at how other aco!!!!s have been managed both with Nationwide and outside of the society, it also talks about the other amount of borrowing I have!!!!:eek: (none honest)

    So now I am terrified as I really think something bad has happened.........I dont have a mortgage, loans, HP, catalogues nothing!!

    Now I need to know if there is something bad going on how hard is it it to prove I havent done it......

    Many thanks
    sam:(

    Sorry to hear this, you must really be panicking.

    I had the same problem getting onto Equifax and some of the verifications questions they asked me were definitely nothing to do with me, so not sure if they were red herrings. I ended up having to forward them a copy of my driving license and a utility bill, not sure if the questions are designed so you do have to call them up.

    Just thinking if you want to get instant access to hopefully see what's maybe happened then you could register with Noddle which is free and can be accessed online - even though I had trouble with Equifax, I didn't with them. They were also really helpful when I wanted some changes making as my ex was still showing as a financial link and also a bank had linked me to an address I had no connection with, seemingly just as it was a similar house name and a near-ish town! I requested the changes online and they wrote to me about a week later to say they were sorted.

    Good Luck!!
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