Is is legal for Nationwide to retroactively cancel payments

martinhogan

Nationwide Credit card problem:

I placed 2 orders online for delivery to my home address on 12 Oct. This was cleared for payment.

On Monday 14th, at around 1 am I received an email saying one payment had been declined.

It was not until Wednesday evening that anyone from Nationwide told me that there was a block on my card, by which time another deliver, for a partial order that I had placed with another company a month before, had also been retroactively blocked.

Nationwide have never called me, nor returned a call or email, nor have they sent me a replacement card - my card is still working for in store transaction, even though they claim it is blocked because of fraud - they are unable to tell me anything about the alleged fraud.

I now have around £300 worth of unpaid debts on my card, with a bad credit reputation looming, along with a phone bill for 7 hours to Nationwide - they always take at least 20 minutes to answer the phone and pass me around

opinions4u

I now have around £300 worth of unpaid debts on my card

I thought you'd said they had declined the payments?

Yes, it's legal to refuse a card payment.

Pick up the phone, establish the facts, see if it can be resolved, complain if it can't be.

Clive_Woody

opinions4u wrote: »

Pick up the phone, establish the facts, see if it can be resolved, complain if it can't be.

So simple in theory but in practice usually a hellish nightmare trying to get through and speak to the right person who actually knows what happened.

I would proceed directly to writing a complaint and sticking it in the post.

shortcrust

I don't think it could damage your credit rating. Have you received the goods? If not then there's really no harm done apart from the frustration. If so then you owe the companies involved money or goods. Something to deal with, but nothing to do with your credit report.