If the schedule of charges does not relate specifically to your account then they are in breach of the Data Protection Act. You must therefore file a complaint with the Information Commissioners Office. The Nationwide will probably argue that it has been inundated with similar requests and this is the cause for the delay. Dag Drollet says ……… "I'm not interested - get the staff" Ain’t I a stinker!

At last! Missing statements arrived whilst I was spending the money I’m going to recover from this bunch of twats, enjoying a few days in Barcelona! I’m now on my 6th standard fob-off letter, each one identical and as predicted, they haven’t a clue how to respond to a Calderbank offer. It really doesn’t matte anymore; I’ve pressed the Moneyclaim submit button! Ain’t I a stinker!

Oh, I have - lol. “The pound of flesh which I demand of him Is deerely bought, 'tis mine, and I will haue it". And they say that Shakespeare isn’t relevant today! The Merchant of Venice was my personal favourite; it has more meat in it! Ain't I a stinker.

Hi All Anyone aware of Nationwide sending out anything other than its standard fob-off letter. I now have a collection of 4, each one saying exactly the same thing. All beginning "I refer to your recent letter". I even received one back in response to a "Calderbank" letter which, for those of you in the know, is a legally prescribed format to deal with the issue of awarding costs, either at arbitration or at Court, when the matter before the judge concerns monetary issues! The letter includes an offer to settle before the matter gets to Court and is subject to a time limit. I now realise that all my letters and dealings with them to date has been handled by the Piers Morgan in their TV advert. What a paradox that is!! It amuses me however, to imagine that such a character is sitting with my letter ‘giving it the advert treatment’ completely unaware of its significance and potential to wipe the smile off their corporate face! Ain’t I a stinker!

Hi All I hope you are having as much fun as me, teaching the banks and building societies a lesson in fair play; it really is quite cathartic! I am claiming back penalty charges from both Barclays and The Nationwide Building Society. I applied to both for a list of charges, oh, as long ago as February. So far, neither Barclays nor the Nationwide have sent the information, although I have to say that Barclays are marginally better than the Nationwide, they have at least made me an offer. I will explain. I predicted that both will use as many stalling tactics as they can get away with; I was right! However, only a few of my statements are missing, fortunately I have the majority. I therefore sent a letter to both Barclays and the Nationwide claiming back the charges I know of and at the same time, requesting that they provide a list of charges to cover the period(s) of the missing statements. This is what I mean by ‘the two pronged approach’. I have just had the pleasure of filing my first claim against the Nationwide; there is something very sweet about clicking that “submit” button. The truth is that the Nationwide doesn’t really owe me that much, BUT THAT’S NOT THE POINT! Barclays on the other hand do and unless they get their act together soon, I will take great pleasure in ‘pressing more buttons’. Oh, and I’ve also reported the Nationwide to The Information Commissioner's Office for breach of the sixth data protection principle, by failing to provide the information I am entitle to within 40 days - Data Protection Act 1998. Aren’t I a stinker!

Hi All Anyone aware of Nationwide sending out anything other than its standard fob-off letter. I now have a collection of 4, each one saying exactly the same thing. All beginning "I refer to your recent letter". I even received one back in response to a "Calderbank" letter which, for those of you in the know, is a legally prescribed format to deal with the issue of awarding costs, either at arbitration or at Court, when the matter before the judge concerns monetary issues! The letter includes an offer to settle before the matter gets to Court and is subject to a time limit. I now realisethat all my letters and dealings with them to date has been handled by the Piers Morgan in their TV advert. What a paradox that is!! It amuses me however, to imagine that such a character is sitting with my letter ‘giving it the advert treatment’ completely unaware of its significance and potential to wipe the smile off their corporate face! Ain’t I a stinker!