Hello, I have read previous comments and I hope someone will help me. I have writtern to Nationwide twice for re-payments of bank charges. I sent them the standard template asking for charges to be refunded. They replied and stated it is in my Terms and conditions. Ok I thought I send another letter stateing I wasn't happy with you reply and will take this to court etc.... Their reply was it is in your Terms and conditions blah blah blah, and they stated if they don't hear from me within 60 days it will be the end of the matter. Where do I go from here? Do I ask for proof of my terms and conditions or take it to court? Please can anybody help me?