This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Don't worry about it. I sent mine to my local branch, but got a reply from Swindon Head Office.

Hi, I once held a adams/creation card about three & a half years ago. Now, I know I was fined at least once for late payment. In all honestly, they never sent me a statement and I was very embarassed when I tried to use the card instore and they refused payment (due to the late payment). However, the account has now been settled over three years. I do not have any account details and have a zero chance of recovering them without a dpa letter. As this costs £10, and the fine was probaly only either £15/£20 is it worth me writing to creation complaining about the fine. Surely they'd try to fob me off saying they can not find any details of me! has anyone got a refund from creation? thanks for your reply CarlingMonstor

Either way, cap one are fobbing you off. Call them and demand a chargeback.

I know even if paypal freeze your account you can refund payments, as long as it does not push your acc into a negative balance. I've never used stormpay, but is it possible you can refund your own payment?

This is quite bizarre. I got exactly the same text, except from a different person. It was from our very own Sarah Watson also mentioned above. However, she refunded me without me even threating legal action against nationwide. I know the amount wasn't anywhere near the amount your claiming but I still think it's a strange, perhaps they refund smaller amounts without question but try to argue on the higher amounts.

I sent mine to my local branch & was refunded in about a week. However the reply I got was from hqs in Swidon.

Done!

Yeah - I was a bit cautious about doing that, although it would make more sense. I just wanted to "dip my toe in the water" to see the reaction before I started on my crusade. Good luck with your claims too.

Hi, Just had £60 worth of fees refunded with one polite request to my local branch manager. Although, it isn't a massive amount compared to some of the cases discussed in this forum it has certainly helped me. I haven't received a letter from nationwide yet, but have saw it credited to my account when I got a mini statement earlier & to be honest I did expect a letter from n/wide informing me of there fee structure, etc, with a polite no. So, thanks for everyone on the forum who has made a post to date. I think I read them all before I send the letter. Now, I'll try my luck with capital one bank. Stay lucky CarlingMonstor