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Hi, opened a Nationwide account around 6 years ago, didn't get a debit card so had to use credit cards as debit cards to do regular everyday transactions. As their on-line banking facility was ok didn't really mind so much as most bill etc paid in this way.
However everytime a DD failed, or their charges took me overdrawn, BUMP! £27.50! even for DD of under £10.00. I calculate approximately £1500 I've paid in charges over the years. Needless to say no longer with Nationwide, got a proper bank account with Halifax within minutes- debit card, overdraft, loan - No problem!
Can anybody let me know what the next move is to try and claim this money back?, and how does this test-case waiver affect my claim?
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Does having a basic bank account make a difference. I ask because I am in similar position with Nationwide having had an account with no cheque book or debit card I am trying to get back my charges see my thread Charbydis vs Nationwide.
I think that there may be a basis for challenging charges on a basic bank account.
Can you post a link to your thread
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Yes this was a basic account, so basic, it didn't have a cheque book, nor debit card, just a bank (maestro/sirrus) 'cash card' and online banking.
Paying bills online was ok, but making purchases a 'nightmare', so had to use credit cards as current accounts and kept transferring cash credits to credit cards....
Was any of this overdraft made up of charges upon charges?
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Well, there was no official overdraft on the account for my use, however, if occasionally, there was insufficient funds to cover a particular direct debit, then they would reverse the transaction and then apply a 'failed Direct Debit fee' od £27.50. If, this then put the account into overdraft, then another 'unauthorised o/draft' fee would also be applied, and so on....
this could be interesting as trying to do my sisters bank charges. she had about £600.00 of charges upon charges until I paid a F&F settlement of £250.00. would be interested to know how having a basic account will affect this.
subbing as had a basic Flex account with them for about 5 years then moved to Lloyds for a normal account. They are threatening to DN me as for the past 5 months not used their account facility and they keep putting charges on charges and then interest on top of that due to a failed DD that took me into an unauthorised overdraft. Basically the whole amount of £260 is TOTALLY their charges and interest.
I have received a letter from Nationwide, dated 8th May, telling me they have reviewed my overdraft limit and are reducing it from £1500 to £800 as from 3rd June. Because I have exceeded my overdraft limit without authorisation, the only time this happenend was in January when I went over my limit because they took out their interest the day before my pension went into my account, putting me over my limit by £4 odd. they then charged me a fee for going over my limit!! As I am now living on benefits and a small company pension I cannot afford such a big drop. so I rang and they agreed I can pay off my overdraft at £60 per month, however this will still make it very difficult to make ends meet.
Can they actually take their charges and make my account over my limit, a short time before this they bounced a DD because it would have made me £1.75 over my limit and charged me £30 for the privilege. When I rang the guy asked me if I had any savings or another card I could use, since all my accounts are with them they surely know how much I have (or not as the case may be)
thanks for any info
Dee
Help Needed to Claim back Charges!
account around 6 years
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