I received a reply to my initial request for refund..... and guess what?!?! The usual fob off!!!!! The LBA followed thereafter, I personalised it slightly, adding that I hoped that they would take the time to reply properly this time..... but this time I received a carbon copy of the original fob-off, albeit signed by a different hand! So, come pay day in goes my claim with the online small claims. I wonder how long before they realise I am not joking?

Hi folks I have just received the statements requested, within the 40 day limit! Let's hope that they are as forthcoming with the dosh they owe me! Now to start filling in the details on the spreadsheet.... MO

Has anyone any idea who the liability rests with, (apart from ex!) Natwest, who issued the cheque to me, or the bank that ex paid the cheque into?

If I get no joy from them, I'll try that tack. thanks.

Thanks Nattie, It was made payable to me, solely in my name. I have requested full details of the bank account into which it was paid, and a copy of the cheque itself. They weren't too keen at first, but I advised them of my rights under the DPA, and they immediately agreed! MO

Hello everyone I am asking for some advice as to how to proceed to reclaim an overpayment I inadvertantly made. It is a bit of a convoluted story, so please bear with me! I had been repaying a business account overdraft to Natwest after the account closed. This was at the rate of £25 per month. The debt was run up when I was still married, and the last address that the bank had was the former marital home where my estranged ex-wife still lives. I had arranged the repayments through my solicitor at the time, some 6 years ago. I had been paying regularly from a Nationwide Flexaccount, which was upgraded a few years back to a new account with a chequebook. All standing orders etc were transferred across to the new account. Unfortunately, I did not notice that the end date of payments had been deleted during this switch. I had an overhaul of my finances in November, and discovered that I had in fact been paying for far too long. I cancelled the standing order immediately, and contacted NatWest at Credit Management, in Telford. They advised that the account had been closed in April 2006, and a refund cheque of £144.51 issued to me at my ex's address. Needless to say I never received it! They agreed to see if the cheque had been cashed. I have just been informed that it has, even though my ex doesn't have my name any more. As it will be verging on the impossible to get anywhere with her, I want to pursue the bank to get my money back. Surely this is a case of a bank error, in accepting a cheque to a 3rd party (me!) compounded with fraud on her part? If so, has anyone any idea as to how I can remedy the situation please? Any help would be very gratefully received! MO

At this stage of the "game" Nationwide are being very helpful and efficient. From my letter posted on 12th January, I have already had a reply advising that they have ordered the complete run of statements that I requested. Can't complain at that at least! MO

Hi MilkTray I made it out as they suggested, Nationwide Corporate Account (my name). That way they can't turn round and delay things as I haven't followed their procedures. MO

Hi All The clock has now started it's countdown... the SAR letter plus cheque for £10 went off today, recorded delivery naturally. I decided to send just the one cheque and letter for both flexaccounts. So, now it's "wait & see" time! I must say that I rather like the look of the contractual interest rate... 24.9% being Nationwide's latest unauthorised borrowing rate. I think that I'll plump for that one! Will keep you all updated with any snippets that might be of use to others! MO

I've just re-read the reply from Nationwide. Here are their exact words:- When completing your Subject Access Request please enclose the fee with the request in the form of either a Cheque or a Postal Order, the payment will only be accepted if made payable to 'Nationwide Corporate Account (your name). The (Your name) would need to be replaced with your name as the account holder, for example 'Nationwide Corporate Account John Smith' would be acceptable. Your request may be returned if this is not completed correctly and this will cause a delay processing your request. Regards, Andrew Spencer Internet Services It does seem that we have to add our own names for some bizarre reason!

Thanks for the advice Boo, much appreciated! MO

Hello All I have just received a reply to my first "opening salvo" requesting the details of all charges levied in the last 6 years. I made this request via the secure email facility on the Nationwide Website. To save others time, make the request for a "Subject Access Request" directly to the address as follows:- Data Protection Officer BCM Nationwide Building Society Kings Park Road Moulton Park Northampton NN3 6NW One needs also to enclose a £10 cheque or postal order made payable to "Nationwide Corporate Account (insert your name here). I have a question at this point. As I am requesting details of two different flexaccounts, both in my name, should I send a cheque for £10 each, (£20 total)? Any advice would be gratefully received! Thanks & good luck to those on the same road to recovery! M.O.