Nationwide Refusing to Shut Down Account

olly300

Well today I dug out all the paperwork and secure messages.

It seems that Nationwide have been crafty and have refused to state their full reply to my formal complaint was a "final response".

This reply was sent on 6 May and stated I could go to the FOS if I was unhappy. This indicates it is a final response. It also stated respond to this message if you want the account closed down. I responded on 7 May stating close the account. This message was ignored.

My my subsequent messages were ignored or answered with go to a branch.

I never needed to go into a branch as they should have actioned my request of 7 May.

This means that Nationwide by asking me to go into a branch to close the account after every subsequent request they have bothered to reply to are being deliberately obstructive.

Therefore I have just bundled the messages and letters up and put them in an envelope to send to the FOS. This I could have done in May without trying to talk to Nationwide again.

Anthorn

olly300 wrote: »

Oh now Nationwide have written back to me asking me yet again to go into a branch with ID.

As I've already been into a branch and had ID they didn't want to see, it's clear they are intend on being as obstructive as possible to try and prevent me closing down the account.

I'm now writing to them demanding a written final response as there is absolutely no reason why I need to go into a branch....

So why don't you just go into a branch with ID and demand that they close the account there and then. That's what I did when I had difficulty closing a Santander current account and an old savings account inherited from Abbey which should have been closed long ago due to inactivity and a nil balance.


Also have your debit card blocked since its transactions continue after the account is closed if not blocked.

grumbler

Anthorn wrote: »

So why don't you just go into a branch with ID and demand that they close the account there and then....

Because many people have more important things to do than keep going to a branch.

olly300 wrote: »

1. ...they have told me go to a branch. ..
2. ... The response to the formal complaint was to tell me to go to a branch.
3. I went to a branch and they told me I had to write to head office to close the account. ...

Anthorn

grumbler wrote: »

Because many people have more important things to do than keep going to a branch.

If he wants it closed he will do what they want. Probably the only other option is the lengthy process of arbitration although threatening them with it could be productive. But ID will still be needed for the arbitration.

Sparx

I closed my credit card with Nationwide earlier this year. I just sent a web message via online banking, they replied within 24 hours and closed it no problem.

olly300

Anthorn wrote: »

If he wants it closed he will do what they want.

Firstly I am a "she".

Secondly I have turned up to the branch with ID and was told to contact head office in writing.

Anthorn wrote: »

Probably the only other option is the lengthy process of arbitration although threatening them with it could be productive. But ID will still be needed for the arbitration.

No ID is needed.

Nationwide are remedying a formal complaint by closing the account. They agreed to do it in a final response.

This is not the first time Nationwide have refused to close an account for me without being difficult.

I have had at least one account with them for over 20 years.

However it's clear by their customer service they don't want any of my business so I've started moving all my accounts elsewhere. If they had shut down the credit card account when requested then I wouldn't have felt the need to.

olly300

Sparx wrote: »

I closed my credit card with Nationwide earlier this year. I just sent a web message via online banking, they replied within 24 hours and closed it no problem.

I have asked them to:
1. As part of a formal complaint which they agreed to in their formal response of 6th May 2015.
2. On the phone but they stated I had to do it in writing.
3. By secure message but they stated I had to go to a branch with ID
4. In a letter which they didn't respond to
4. In a branch with ID but the lady in the branch stated I had to do it in writing
5. In a letter written by a lady in the branch which they haven't responded to.
6. By asking their social media team for help - the customer service staff who I am redirected to then stop being helpful.

As the formal response of 6th May 2015 states that if I am unhappy contact the FOS within 6 months I have now done so.

olly300

Well it seems complaining to the Financial Ombudsman was the only way to get Nationwide to close down the account without more of Nationwide's silly tricks.

The account is now closed.

MABLE

I have the problem with Cahoot's credit card. On my credit report its shows it was closed over 3 years ago but this is incorrect. I have spoken to Cahoot direct and via credit reference agencies but Cahoot say the account will have to stay closed even though it is not.

I just gave up in the end. The good news is any usage will never be recorded to the various agencies.

BobQ

olly300 wrote: »

Well it seems complaining to the Financial Ombudsman was the only way to get Nationwide to close down the account without more of Nationwide's silly tricks.

The account is now closed.

Now you can calm down!