Yep. So i do nothing? Shall i just clear the account and sit back? Their 28 days are up before the account gets closed.

I have just recieved another letter from Member account servicing at nationwide and they have just notified me that my accounts are to be closed on the 25th of september. They obviously dont communicate with the other departments as they've asked for the overdraft to be settled but its already has been settled with the partial refund i recieved. What shall i do? Just clear the account and say the amount they settled wasn't enough and write a letter?

Really guys? I suppose. The fact is i have to get in touch with the court and say if the matter is settled(dont i?). Untill then the case is still open and the court still see the matter as unsettled. Am i right? Nationwide probably think i will do this as well now they have refunded part of this amount. So just sit back and chill is the advise here then. No more letters!?

The money has just arrived in my account today. It was less than what nationwide said the would re-credit me. What are they playing at??? Im stuck here i do you think a letter to Charlie Rashers would be in order?

Bev i'm gonna save your letter it looks very effective. Where do think i should go from where i am? Shall i just write straight to Nationwide saying i'm not happy with the offer?

Thanks bev i'll take you up on that

Well should i not wait untill i recieve hearing from the court? Who do address the letter to?

I've just recieved my letter today after sending my money claim on the 16/08/06. It states: "I'm writing to you, following your recent correspondence to Charles Bacon... ...I'm now able to confirm that we've refunded £268.98 and credited £50.00 to your account to cover your costs. Please be aware that the amount we've credited to your account is less than the amount you have requested on your claim. We have thoroughly investegated and calculated...bla bla... and arrived at this figure." It goes on. Now the amount i was claiming in total was £500 including my court costs, they're offering just over £300. They've said it has re-credited but it hasn't arrived in my account yet which is still £160 overdrawn with no overdraft(all from their charges!!). It will probably attract another £20 pound charge soon! What do you reckon i should do then guys?

Really is this what happened for you then?

Its been a long jouney but i'm nearly there. I'm getting scared now. I filed a claim through money claim about a week ago, paid the fifty pounds required and I got confirmation a few days later. Now i have recieved an "Acknowledgement of Service" from the court in which a Mr Charles Bacon has taken over the claim (Any one heard of him?) He's from Legal compliance and has ticked the box on the "A o S" saying he intends to defend the claim. Someone must have recieved one of these? Is this just to buy more time before they offer half back? Will they defend the claim all the way to court? Or will they just give back the 500 big ones straight away before it even goes that far? Also has anyone else had Charles Bacon from legal compliance deal with there claim? :? Thanks in advance to anyone who can help. This is it I'm nearly there!!! :)

Filed my money claim and i have my notice of issue back from the County court. The fifty pounds has been paid now all i have to do i suppose is wait for them to reply? This is it now they should pay up. Right?

I think it might be too late. Is absolutely neccesary?

This is what what i wrote in my particulars. I am claiming on the grounds that i have a contract with the defendant bank which is conducted on their standard terms and conditions. I am claiming the return of money taken by the defendant in the way of charges over the last 3 years, these charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2 (1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. The Charges are as follows: TOTAL £449.50 What do you think?

I've sent my prelimary about a month and half ago, sent my first request for repayment a month ago and my LBA over 14 days ago. NO reply. Now i have just been on Money claim and completed the form. I wasn't sure what i was doing on the particulars part so i'm just praying i did that right. It broke my heart paying the fifty pound fee but so longs as i filled the form in correct i should get this back! Right? Any one else filled the particulars part of form on the website just tell me what they did? I didn't find it very clear in the step-by-step guide. I'm getting nervous now. This website rules though!

sent my LBA today getting nervous

Yes i still work for barclays but i'm only an 18 year old cashier, I don't think i've got too much to worry about. I'm actually only claiming about just over 400 pounds from Nationwide and i only decided to claim the charges because i think they're were particularly unfair. Its good to see i'm not the only one who has founf themself in this pickle. I'll keep you updated guys.

Just got a reply today from them it was personally signed(whether it was personall written or not i dont know): Dear Mr Jones... We appreciate your time...Nationwide believes it is open and transparent about charges... you will appreciate why i am unable to refund any charges on your account... They've also include a number to contact them on and what to do if i'm not happy. What do i next?

I’m new to the forum. Think my case is a bit unique. I have a nationwide account but about a year ago I switched it to Barclays because I started working for them. I updated my new details on my Paypal account and used it for six months no problems. Then one day Paypal emailed me to say that two payments I had made bounced (they were only for 1 or 2 pounds each. Confused, I checked, and I saw that they had debited my nationwide account instead of my Barclays account (I don’t know how) and a couple days later I received a letter from Nationwide advising me that my account will be charge 30 pounds, twice! This put the account into the red by sixty pounds plus interest. I wrote a letter to my local branch explaining that I thought it was unfair that they charged me this much. A couple of days later they replied saying I should probably take it up with Paypal. Then I was made aware of the Bank action group and here I am. I think I’m doing things right I sent the SAR - (Subject Access Request) - (Subject Access Request) letter and received my copy statements, then I made a spreadsheet outlining all the charges and sent that back with a request for repayment of charges. I know I’ve got a while to go yet. My problem is that since these two charges put me in the red by sixty pounds I haven’t done anything to stop Nationwide charging me more money. I could go into the bank and settle the overdraft but I just couldn’t bring myself to hand them the money! Now, after a series of monthly unauthorised overdraft charges plus interest, the accounts £144.94 overdrawn! That’s NOT money I’ve spent its all charges from Nationwide. I’ve included the overdraft in my claim