Nationwide - Defult Help

maddyh11

I opened a Nationwide Flex (Cash Card current account) account back in 2010, Just a basic account for credit, debits, standing orders and Direct Debits (no overdraft facility) I used it up until August 2012, I just had a baby and moved house and to my own admission I completely forgot to change address with the bank. The account was sitting in credit of £0.41 then in September 2012 a direct debit for £2.29 from PayPal was attempted and refused which put the account £1.88 overdrawn, The account then was given an unpaid direct debit charge of £15.00…… then for the next 13 months the account was charged £20.00 a month for an unauthorised direct debit charge which takes it to around November 2013 then it was frozen and defaulted in April 2014. The account is currently sitting with an outstanding amount of £274.00. Remembering this account was not in use (no credit or debits) since August 2012 therefore they can clearly see it’s not being used but for a period of 13 months they contained to charge £20.00 unauthorised overdraft fee

It was officially defaulted in April 2014. I think this has been clearly treated unfairly given that the first month it was over drawn was September 2012 but it took till another 13 months of charges and to month 19 to be defaulted

I have spoken to Nationwide who don’t feel they have done anything they shouldn’t have, I explained that I didn’t feel it was fair to charge a unused account for a 13 month period and default it 19 months after the 1st date overdrawn (on an account that didn’t offer overdrafts)


The only reason I have come across this is after getting my credit file


Where do I stand?