ruddy nationwide

emmaroids

:mad:
im bloody fuming tbh.

ok in the last 2 months they have carged me well over 200 quid for going overdrawn :mad:
thing is when they charge me they send me over agin !!!!!!
just had a letter, i went overdrawn 4 times on the same day and they are gonna take 120 quid out of my account in 28 days time :mad: :mad:

were just starting to get our money sorted aswell.
i know this will send us over again and then they will charge more aaaAAGGGHHHHHH.

is there anything i can do?
im gonna phone em monday and give them a peice of my mind cos its just not fair.

OliveOyl_2

I'm sorry for you, we've been there, and they have been very unsympathetic.
We've opened our parachute account and are preparing to claim.

rayday2

The most obvious thing is to avoid being overdrawn, keep an iron clad eye on your account and spot what you are doing that is taking you overdrawn. Yes you can claim after the event but its the old fashioned thing prevention is better than the cure!

JohnInDebt

emmaroids wrote: »

:mad:

is there anything i can do?

The best thing to do is to not spend money which isn't in your account.

emmaroids

JohnInDebt wrote: »

The best thing to do is to not spend money which isn't in your account.

well yea lol
we had the money in the account but my DD`s were going out at the wrong time of month
we are now getting our tax credits payed weekly to try and stop this.


and anyone know of a decent bank for a parachute account??

rayday2

It would be cheaper for you now to look at your direct debits and cancel some for a while even gas and electric, the bank charges are so high you need to avoid being charged. You can always restart them later.

Are you falling behind on any other payments with companies because that will impact on who you choose for another bank account.

MABLE

With respect I dont think the Nationwide can be blamed because the direct debits went out not on the expected dates. As far as they were concerned their were insufficient funds at that moment in time to meet these items. Also it normally states when the direct debits will be taken. I know it is imperative you have funds available 24 hours before the anticipated dates.

msmicawber

I sympathise emmaroids - Nationwide charge an incredible 24.9% for exceeding your overdraft limit. They also seem to charge you for the rest of the month even if you were only overdrawn for a day or two.

What about the A&L current account that Martin's recommending at the moment? - you can also get cashback through Quidco.

emmaroids

thanks for the replies peeps
do you have a link to this A&L account??

smudgemanc26

emmaroids wrote: »

thanks for the replies peeps
do you have a link to this A&L account??

Its on the right hand side of the board under money tips email date 15th Aug click there and it has a whole section of recommended bank accounts.