Nationwide: Money taken from savings account due to bank charge in current account

[Maverick_Bowen]

Hi all,
I have been a busy body in my home town this last year and I'm sitting very smug to finally see that the banks are on the back foot.
After I was succesful in claiming back charges with the Nationwide I informed everyone I knew that should they have a problem just to give me a ring.

The other day a someone gave me the following issue:
She incurred a bank charge on her current account, and recieved a letter informing her that they would be taking £30 from her joint savings account which she shares with her grandad.

Now I don't know how you feel, but to me this kind of behaviour is simply shocking. My question though is that is this kind of practice legal? The charge as we all know is not, and I have advised her to claim back it back. But taking money out of a seperate account due to a charge in a different one, especially when its a joint account and her grandad was given no notification....that just doesn't sound at all legal.
Surely the two accounts are formed from two seperate contracts meaning they could not overlap?

Furthermore she claims that they did not even give her 28 days notice.
Isn't this breaking thier own terms and conditions which they always seem to refer to?!


Any thoughts or answers to this would be greatly appreciated.
Many thanks

[happyolddog]

Hi Maverik,

I doubt very much the legalities of the banks actions in this case.
I would be inclined to write to them asking proof of the legalitie of their actions.
Please start a thread in your banks forum via link;
http://www.consumeractiongroup.co.uk...newthread&f=46
Start a claim by asking for the money back, if that fails use the template letters here;
http://www.consumeractiongroup.co.uk...lates-library/
Please also read the faq's
http://www.consumeractiongroup.co.uk...se-read-these/
If you need any instant help, please visit the live chat.There are plenty in there willing to offer advice.

Best wishes,
Happyolddog.

If my advice helps please tip the scales,Left.

[Maverick_Bowen]

Thanks mate
Have just posted it in the Nationwide section