Leave out the Ombudsman. If you haven't already done so, just set out your charges in a spreadsheet, add the interest to each charge, total it all up and go straight to the Money Claim Online. I did, and as you can see from my previous posts, they paid up. If you haven't already done so, take a look at the Martin Lewis Money Saving Expert web site at Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more There is all the information you need. Good luck!

As predicted, Nationwide paid up on day 28! They have allowed me to keep my account open but, of course, told me I have to keep my account in order in the future. I had already opened a parachute account but won't need to use it. Thanks to everyone who responded to my previous posts asking for you to keep your fingers crossed for me, and to this site for all the advice and support. Power to the people eh?

Thank you so much for your responses blidge and skeggs885. I really appreciate your support. I shall let you know what happens. Phewwww!

Hi Everyone. I sent my court papers off on 13 April to claim back £2.5k from Nationwide. They acknowledged the claim and are defending it. It seems to be taking forever. I am counting the days and can only hope I won't be the unlucky one that it doesn't work out for. I only have a basic account with them. Keep your fingers crossed for me please. . .