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  1. Hi, have received standard letter from Nationwide saying that they will not be refunding charges ?!!!, so have downloaded letter from templates library (great resource) and will be sending with a copy of charges. Will keep you informed, must admit I am nervous about the whole process and what the bank might do, but hey feel the fear and do it anyway. Bibis
  2. Good Afternoon Everyone, This is my first time on the Forum, a colleague told me about CAG. I have found it very informative. I am currently in the process of reclaiming bank charges back from the Nationwide and have received their standard letter saying that they will not pay. The letter before action that I have doesn't seem hard hitting enough so need some advice on what to say? Bibis:)
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