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I do NOT have smelly feet or look like a kipper!!! lol This was a nickname given to me by my mother - but you made me giggle anyway!! I think there is a misunderstanding somewhere along the line - I meant it to read that the direct debits were reinstated and paid by me, NOT that the Nationwide had returned their charges. Hope this now makes sense. Thank you for being patient with me. Thanking you in advance once again!

I recently got into a bad financial position, whereby 3 of my direct debits with Nationwide were returned at a charge of £30 each one! One of the Direct Debits was only for £7.50! All in all this summed up to the amount of £90 which I can ill afford at this present time. They have now been reinstated and paid - my question is (sorry-but I am a newbie at all this), where do I go from here and what letter do you recommend I send and to who, would that be my local Branch or the Head Office. This is the first time I have ever been charged as I have never been overdrawn before. Thanking you in advance.