Hi, Any news about your claim against Nationwide? Did you get your £300 back? Thanks.

Can you claim the monthly £30 with the rest of the charges? Does anyone advice me to do the same i.e agree to pay the monthly £20 then claim that back with the rest of the charges? Is that safer then phoning them & telling them that I disputing the charges? Thanks.

If I phone them & tell them that I am desputing the charges will that be enough to force them to stop any legal proceeding against me? Thnx

Thanks for your advice. Do I need to phone them today, as it's the action date, and tell them that I started the process of claiming the charges or just send them the first template letter? Will phoning them be enough to stop them taking "legal proceedings" against me? They offered to stop charging me the monthly £20 as long as I agree to pay them £20 monthly but I refused. Shall I agree to pay them the monthly £20 and claim that later? I no longer use this account so I don't care if they close it. I just don't want anything that would affect my credit ratings. Any advice is appreciated. Thanks.

Hi All, Forgot to cancel Direct Debits (x5) and there was only £10 in my account. NationWide didn't pay the Direct Debits but charged me £160 because there wasn't enough funds for the DDs. This made my account go into the minus. Since then NW has been charging £20 every month for the unauthorised draft. It's digusting, they made themselves £260 for doing nothing! I Received a letter from NW saying: Action Required by you: (1) to reapy the overdraft in full (2) to return all unused cheques, guarantee cards & FlexAccount Cards still in your possession. If the action required by this notice is taken before the 08/06/07 (today), no further enforcement action will be taken. If you do not take the action required then the furhter action set out below may be taken against you. Further Action: We may commence legal proceedings to recover the overdraft in full. What can they do? What shall I do? Thanks in advance for your advice.