nationwide asking me for a income and expenditure on bank refund of charges

dave_37

well i sent a letter with a list of bank charges that are owed to me and recieved a reply today saying

Thank you for contacting us regarding a refund of charges on your flex account
before we can proceed with your refund request we need you to provide us with further infomation as to when you started experincing financial difficulty and what has caused this situation
we have enclosed a an income and expenditure form which we need you to fill out and return once this is recieved we should be able to send you a full response by 19th of june 2013
is this right do i have to give them a breakdown of my income even thou ive had these bank charges applied to my account please advise as would like to get a letter reply back to them this week coming

antrobus

dave_37 wrote: »

well i sent a letter with a list of bank charges that are owed to me and recieved a reply today saying

Thank you for contacting us regarding a refund of charges on your flex account
before we can proceed with your refund request we need you to provide us with further infomation as to when you started experincing financial difficulty and what has caused this situation
we have enclosed a an income and expenditure form which we need you to fill out and return once this is recieved we should be able to send you a full response by 19th of june 2013
is this right do i have to give them a breakdown of my income even thou ive had these bank charges applied to my account please advise as would like to get a letter reply back to them this week coming

Well, yes. You normally have to demonstrate that you were in financial hardship in order to obtain a refund of bank charges. The Nationwide are simply asking for some further information in order to establish whether or not you were experiencing any financial difficulties.

See http://www.moneysavingexpert.com/reclaim/bank-charges

dunstonh

is this right do i have to give them a breakdown of my income even thou ive had these bank charges applied to my account please advise as would like to get a letter reply back to them this week coming

If you are making a request under financial hardship then the bank/building society will analyse your statement for transactions and ask you to complete a budget form as well as look at your overall debt and how you have been repaying it.

You are applying to their goodwill for a refund. Not filling their form in will make the chances of a goodwill payment less.

Wywth

dave_37 wrote: »

well i sent a letter with a list of bank charges that are owed to me and recieved a reply today saying

Thank you for contacting us regarding a refund of charges on your flex account
before we can proceed with your refund request we need you to provide us with further infomation as to when you started experincing financial difficulty and what has caused this situation
we have enclosed a an income and expenditure form which we need you to fill out and return once this is recieved we should be able to send you a full response by 19th of june 2013
is this right do i have to give them a breakdown of my income even thou ive had these bank charges applied to my account please advise as would like to get a letter reply back to them this week coming

What is the basis of your claim? Their reply suggests it is based on financial difficulty. How are they supposed to assess your financial difficulties without the information they have requested from you?

meer53

If you don't send the information, they won't consider any refund, so it's up to you really.

If you have any spending on your account that isn't classed as essential ie. gas/elec/water/rent/mortgage/food etc then i'm afraid you won't have much luck. Things like Sky, mobile contracts, eating out, etc aren't classed as essentials.