That's what I thought! Thanks

I'm reposting what I placed in the Welcome forum, and any assistance would be VERY APPRECIATED Hey all, and how glad am I to find somewhere to help with my plight of claiming bank charges! I will confess most of what I've read has somewhat drifted over my head. So what I will say next probably makes no sense, and whilst I've had a gander at the FAQ's as requested I'm still in a slight pickle. A basic outline of my case is as follows; In January 2004 I opened a Nationwide account as a means of putting some money aside in a seperate bank account. This I had no problems with up until the latter part of the year when I decided I didn't want the hassle etc. Because I was no longer using the account I more or less ignored the statements I was receiving. However letters I received I would open. In January 2005 I received a letter demanding repayment of a sum to the tune of £300 on my unauthorised overdraft. Considering I had no outgoings from this account and had not used it for nearly a year I was very scared and after pursuing it with a employee of the bank I discovered I could repay these charges at around £50 a month. After viewing my backlogged statements it became apparent that the majority of my charges had been issued for going TWO POUND (yes, £2) overdrawn on my account. From this I was charged £20 whenever Nationwide felt like it. Considering it took them a YEAR to issue me a letter demanding my repayment, with no phone calls despite having adaquete contact details I felt horrified when I realised this was impacting on my credit rating. Because I suffer from ill health and have minimal surpulous money to spend on repaying incompetency, the arrangements I set up were occasionally broken. I informed the bank of this who appeared to be considerate to my circumstances and they offered to set up a temporary overdraft. Whilst paying these charges I realised that despite having this temporary overdraft I was still being charged £20 for technically breaching my original contract. Considering I was paying £50 a month and then being charged £20, it seemed hopeless that I would ever get out of the debt that I had unwillingly had piled on. Currently I am in debt with Nationwide of about £250, although I have an arrangement set up in place to pay £60 per month which I do not have, I am still being charged £20 regularly. I estimate without knowing fully that I am probably owed something like £500 from Nationwide however I aim to find out this data from the Data Protection Act. However, and this is where I really need the help - having entered Nationwide's details in, I have a very generic address. In order to make sure the bank gets receipt of this letter in the relevant department, is there an address or name anyone is aware of that would assist with a quicker response? I notice some very helpful members are aware of NatWest's particular and ideally I'd like to know the person in the same position for Nationwide. Any replies or assistance to my saga would be very appreciative. Although not an excuse, I am quite young and some of what is suggested is going straight over my head! Regards MG ETA - I understand the address to send my DPA Subject Request is to Kings Park Road address?

Can I just clarify that the cheque that is sent to the aforementioned address needs to be made PAYABLE to Nationwide Corporate Account and then for example...John Smith - like follows; NATIONWIDE CORPORATE ACCOUNT JOHN SMITH ??

Hey all, and how glad am I to find somewhere to help with my plight of claiming bank charges! I will confess most of what I've read has somewhat drifted over my head. So what I will say next probably makes no sense, and whilst I've had a gander at the FAQ's as requested I'm still in a slight pickle. A basic outline of my case is as follows; In January 2004 I opened a Nationwide account as a means of putting some money aside in a seperate bank account. This I had no problems with up until the latter part of the year when I decided I didn't want the hassle etc. Because I was no longer using the account I more or less ignored the statements I was receiving. However letters I received I would open. In January 2005 I received a letter demanding repayment of a sum to the tune of £300 on my unauthorised overdraft. Considering I had no outgoings from this account and had not used it for nearly a year I was very scared and after pursuing it with a employee of the bank I discovered I could repay these charges at around £50 a month. After viewing my backlogged statements it became apparent that the majority of my charges had been issued for going TWO POUND (yes, £2) overdrawn on my account. From this I was charged £20 whenever Nationwide felt like it. Considering it took them a YEAR to issue me a letter demanding my repayment, with no phone calls despite having adaquete contact details I felt horrified when I realised this was impacting on my credit rating. Because I suffer from ill health and have minimal surpulous money to spend on repaying incompetency, the arrangements I set up were occasionally broken. I informed the bank of this who appeared to be considerate to my circumstances and they offered to set up a temporary overdraft. Whilst paying these charges I realised that despite having this temporary overdraft I was still being charged £20 for technically breaching my original contract. Considering I was paying £50 a month and then being charged £20, it seemed hopeless that I would ever get out of the debt that I had unwillingly had piled on. Currently I am in debt with Nationwide of about £250, although I have an arrangement set up in place to pay £60 per month which I do not have, I am still being charged £20 regularly. I estimate without knowing fully that I am probably owed something like £500 from Nationwide however I aim to find out this data from the DPA. However, and this is where I really need the help - having entered Nationwide's details in, I have a very generic address. In order to make sure the bank gets receipt of this letter in the relevant department, is there an address or name anyone is aware of that would assist with a quicker response? I notice some very helpful members are aware of Natwest's particular and ideally I'd like to know the person in the same position for Nationwide. Any replies or assistance to my saga would be very appreciative. Although not an excuse, I am quite young and some of what is suggested is going straight over my head! Regards MG