Debit Card cancelled by bank without warning

SophieK2

It wasn't mentioned because I only found out one hour ago. Why is your reply so rude?

SophieK2

I've literally come on here to ask for help and advice, not to be personally attacked.

AnotherJoe

SophieK2 wrote: »

It wasn't mentioned because I only found out one hour ago. Why is your reply so rude?

I think of it as "straightforward".



I also i think you are due at the least an apology from Nationwide, for the stuff that takes up the last few paragraphs regarding them cancelling a card, issuing a new one and not telling you and then failing once or maybe twice to send a new one out and not action your change of address (is that summary version correct ?)


I'd put that in an itemised form in a letter without waffle and ask for an apology and assurance they have reviewed their systems to prevent that happening again. They might send you £50 as well you never know. Point out it incurred you expense such as trips to the bank or whatever.



Everything else, you've laid your troubles (only carry one card, use an awkward address, Visa troubles, parents opening post, your feelings) at Nationwide's door.


You also you have an unrealistic expectation of how any organization deals with suspected fraud. They detect it via computer systems that arent perfect and they will rarely tell you the details for obvious reasons.

EarthBoy

its_all_over wrote: »

You know, after reading that I suddenly realised I have never seen a person hand over, or a cashier ask for, the card to do a contactless payment.

I have, a few times, usually in pubs.

its_all_over

SophieK2 wrote: »

I didn't call at 11.30pm at night because a) that's crazy and they're not open

Maybe you should have taken one minute and quickly googled and you would have found you were actually wrong.

Current account general enquiries
0800 30 20 11 (UK)
+44 1793 65 67 89 (Abroad)

Useful information
24 hours a day, 7 days a week

https://www.nationwide.co.uk/support/contact-us/call-us

central

SophieK2 wrote: »

I've literally come on here to ask for help and advice, not to be personally attacked.

I agree, for a first time poster I think some of the replies have been unnecessarily rude. Not everyone is glued to forums all day and know all the minutiae of the banking system, Sophie is obviously younger than some of you and should be treated with a bit more respect, she only came on here for help, not a fight.

mgdavid

central wrote: »

I agree, for a first time poster I think some of the replies have been unnecessarily rude. Not everyone is glued to forums all day and know all the minutiae of the banking system, Sophie is obviously younger than some of you and should be treated with a bit more respect, she only came on here for help, not a fight.

The OP seems unwilling to accept advice that doesn't fit her view of being an aggrieved victim.
Personally all her problems fit my classification of 'self-inflicted'.


I simply don't believe that she was advised by Nationwide NOT to keep them updated of her current address - isn't that one of the basics of all banks' Ts & Cs?

anmarj

I had his done by Nationwide recently as a transaction that was legitimate was classed by them as possible fraud. They did block online transactions but I was able to withdraw cash. I did call them and they explained that a transaction had been flagged which is why they had taken the action they had. A new card was already in the post to me, was lucky that I had another account I can transfer money to and use. Rather they did that than let transactions through that were fraud.

Armorica

1) When you complain to Nationwide, make it short and pointed.
2) Ask Nationwide to send it to one of their branches and that you'll pick up from there - I've had to do this with HSBC before.
3) Metro bank print cards in branches

SophieK2

Maybe you should have taken a minute and see that you are actually wrong. That number is for lost and stolen. My card was neither lost nor stolen. So why would I ring them on that line?

I called the actual number that I needed, 0800 464 302, at 21.04 on Sunday night just passed and they were CLOSED. Hence the call on Monday morning