Nationwide - Lost £440 Payment

grumpy_codger

born_again said:

grumpy_codger said:

IMO, if it comes to a court action, it has to be against the bingo company, not Nationwide. Tell them to contact Nationwide directly to resolve the problem before you start court action.

ARN can help to trace the money, but doesn't prove that the withdrawal was processed correctly.

ARN proves that the payment was made by the company. No ARN, no payment.

Does it prove that the payment was sussessfully made to the OP's account?

masonic

grumpy_codger said:

born_again said:

grumpy_codger said:

IMO, if it comes to a court action, it has to be against the bingo company, not Nationwide. Tell them to contact Nationwide directly to resolve the problem before you start court action.

ARN can help to trace the money, but doesn't prove that the withdrawal was processed correctly.

ARN proves that the payment was made by the company. No ARN, no payment.

Does it prove that the payment was sussessfully made to the OP's account?

To process the withdrawal correctly, the bingo company would need to successfully make the payment to the details provided by the OP. Hopefully the OP hasn't come this far without verifying those details were for the OP's Nationwide debit card and not some other card.

grumpy_codger

masonic said:

grumpy_codger said:

born_again said:

grumpy_codger said:

IMO, if it comes to a court action, it has to be against the bingo company, not Nationwide. Tell them to contact Nationwide directly to resolve the problem before you start court action.

ARN can help to trace the money, but doesn't prove that the withdrawal was processed correctly.

ARN proves that the payment was made by the company. No ARN, no payment.

Does it prove that the payment was sussessfully made to the OP's account?

To process the withdrawal correctly, the bingo company would need to successfully make the payment to the details provided by the OP. Hopefully the OP hasn't come this far without verifying those details were for the OP's Nationwide debit card and not some other card.

Usully gambling sites require a deposit from a card before processing a withdrawal to it.

ETA: "9.2 Withdrawal requests can only be made to your active payment method, either debit card payment....." - https://www.tombola.co.uk/terms-and-conditions

masonic

grumpy_codger said:

masonic said:

grumpy_codger said:

born_again said:

grumpy_codger said:

IMO, if it comes to a court action, it has to be against the bingo company, not Nationwide. Tell them to contact Nationwide directly to resolve the problem before you start court action.

ARN can help to trace the money, but doesn't prove that the withdrawal was processed correctly.

ARN proves that the payment was made by the company. No ARN, no payment.

Does it prove that the payment was sussessfully made to the OP's account?

To process the withdrawal correctly, the bingo company would need to successfully make the payment to the details provided by the OP. Hopefully the OP hasn't come this far without verifying those details were for the OP's Nationwide debit card and not some other card.

Usully gambling sites require a deposit from a card before processing a withdrawal to it.
ETA: "9.2 Withdrawal requests can only be made to your active payment method, either debit card payment....." - https://www.tombola.co.uk/terms-and-conditions

That's useful if the OP has only ever used one card (the Nationwide one) on the site.

sheenas

The fact that you got a notification from nationwide proves they must have the arn number or if they don’t a failure in their process system. Visa has a very robust dispute system and it seams odd they are not using it.

grumpy_codger

sheenas said:

The fact that you got a notification from nationwide ....

Is it a fact? I've never heard of a receiving bank 'approving' an incoming payment.

masonic

sheenas said:

The fact that you got a notification from nationwide proves they must have the arn number or if they don’t a failure in their process system. Visa has a very robust dispute system and it seams odd they are not using it.

It's not at all clear it was "from Nationwide". Which company's app is more likely to send a push notification confirming the withdrawal has been approved? If it was from Nationwide, then it sounds more like a debit than a credit.

Overall lots of questions remain

• Gambling site has furnished OP with ARN and forward trace, presumably showing payment successful
• Nationwide has had sight of these, yet has simply claimed they've not received, apparently without doing their own trace, which presumably they have the capacity to do
• Neither have Nationwide used it to raise a dispute
• Formal complaint has been open for some time now (not sure exactly how long). Nationwide would surely know FOS will uphold if they haven't investigated further than an outright denial
• If Nationwide have checked the ARN and it doesn't relate to the OP's card, then obviously they wouldn't be able to share information about the transaction, but surely they'd be able to tell the OP its for the wrong account

francisgc11

grumpy_codger said:

born_again said:

grumpy_codger said:

IMO, if it comes to a court action, it has to be against the bingo company, not Nationwide. Tell them to contact Nationwide directly to resolve the problem before you start court action.

ARN can help to trace the money, but doesn't prove that the withdrawal was processed correctly.

ARN proves that the payment was made by the company. No ARN, no payment.

Does it prove that the payment was sussessfully made to the OP's account?

I have been really busy so haven’t been able to keep on top of these comments, you seem to think you really know everything, and I’m not being rude in anyway shape or form but your comments are very passive aggressive, 
in regard to your ‘ is it a fact ‘ yes it is a fact push notifications from a bank ? Like when you spend money it will come up where, how much and how many minutes ago etc. anyone that uses T will know exactly what I’m on about. But again pop your number over or if I can message you I will prove it. Stop jumping the gun like you know everything. Any bank can approve or decline any incoming and outgoing payments, for fraud etc etc. 

Also I take it you have never seen a ‘ Forward Trace ‘ as the forward trace I have blatantly confirms ‘ request was processed successfully ’ and beside it the last 4 digits of my card number and the amount that was processed. Again thinking you know everything I can prove you wrong. Just tell me how to get this over to you and I will!

Again in regard to your other comment where you’ve put the T withdrawal information ETA 9.2 , just to confirm it was my card, the only card I have ever used on the site so that information bares no relevance what so ever, if I had 2 cards and used one, I could withdraw to the other card no problem, I think if you register yourself an account it might bring you up to speed on things.

In regard to the bingo site and nationwide investigating together, this is not a procedure that is possible due to GDPR, I have blatantly asked them to call each other and it’s not possible. If I could I would! 

Also to the ‘ IMO if it comes to court action ‘ comment, YES it does prove the withdrawal was processed successfully and the amount and to my card !!!! 

The bingo site recommended court action as I’ve tried so hard, as well as register 2 complaints and no further ahead, they firstly said FOS, I declined that and they said only route would be court action so whilst I appreciate your comments and trying to help, you really, really do think you know everything and you do not. 

If T have proved above and beyond it’s been processed successfully then why would I take them to court, it’s the bank that’s saying they can’t find anything and the solicitors advise I have documentary evidence of really contradicts what you are saying, unless you work as a lawyer or for the bank, I’m intrigued how you think you know so much because all these professionals seem to be contradicting you!! In the future stop jumping down everyone’s throats thinking your correct because legal experts are saying otherwise!

francisgc11

masonic said:

sheenas said:

The fact that you got a notification from nationwide proves they must have the arn number or if they don’t a failure in their process system. Visa has a very robust dispute system and it seams odd they are not using it.

It's not at all clear it was "from Nationwide". Which company's app is more likely to send a push notification confirming the withdrawal has been approved? If it was from Nationwide, then it sounds more like a debit than a credit.

Overall lots of questions remain

• Gambling site has furnished OP with ARN and forward trace, presumably showing payment successful
• Nationwide has had sight of these, yet has simply claimed they've not received, apparently without doing their own trace, which presumably they have the capacity to do
• Neither have Nationwide used it to raise a dispute
• Formal complaint has been open for some time now (not sure exactly how long). Nationwide would surely know FOS will uphold if they haven't investigated further than an outright denial
• If Nationwide have checked the ARN and it doesn't relate to the OP's card, then obviously they wouldn't be able to share information about the transaction, but surely they'd be able to tell the OP its for the wrong account

Hello in response to your comments, 
I also get push notifications when something has credited my account, again please tell me how and I will prove this. 

The bank shut both complaints down within a few days and basically forced me to agree to it because they said they’ve hit a dead end, I myself don’t know what to do I really feel like writing the money of and forgetting about it ! 

The stress is unbelievable, the ARN I provided nationwide does link to my card as per the paperwork, but they are saying nothing at all with the numbers provided. Which I find odd, I don’t actually believe they’ve done the search far and wide because like you said about fraud teams etc having access to it, they done a few searches but nothing major, the bank manager went out the back and rang through internally so I’m not sure what departments she rang but she sure as hell told me one of them was VISA payments team, just to confirm formal complaint isn’t still open. 

Again just to confirm I do have the ARN, along with the forward trace from T to prove it’s been SUCCESSFULLY processed to my card and the amount and even the exact time, which was 15/06/2025 at 1.50.55 am . So in my opinion that is sufficient evidence right? 

francisgc11

sheenas said:

The fact that you got a notification from nationwide proves they must have the arn number or if they don’t a failure in their process system. Visa has a very robust dispute system and it seams odd they are not using it.

I agree with you, I will be contacting Visa on Monday and see what they can do in regard to the trace, I don’t believe nationwide have looked hard enough, the bank manager had a bad attitude everyone in dealing with is unhelpful and has a stinking attitude. Visa is seperate so I hope to have a different experience, do you know the number I’d need to ring please? Also thanks for replying