Have you tried ringing Nationwide? I have a much bigger overdraft than you and they sent me a letter giving me 7 days to pay it back, which I couldn't do. They agreed to a set amount a month that I can pay and my overdraft reduces by that amount each month until it is paid off.

I sent off my prelim letter and got a response back from Egg that more or less said that they would not refund me the money... What is the next step? The letter before action (although they have responded) or so I put my claim in at court? Thanks

I have been given a partial payment and advise them I would accept this as partial payment and gave them 10 days to pay the rest. The 10 days have passed so need to start my claim. N1 form, this is first one I've done... I guess I put my local court down for the name of the court or is there specific one I need to make my claim too? Can someone help?

I am hoping that someone may be able to give me advice....... (Sorry about the long question!!) I put a claim in to NW for £3,800 in May 07, like everyone else it was stayed, which was not good for me as I was hoping this would be sorted out before I emergrated in Aug 07. Now not being in the country has caused problems, as i hadn't change my address for Nationwide, so they had been sending letters to my old address that I wasn't getting (although I had given the people who brought my house a UK correspondance address). NW finally tracked me down to the correspondance address (a family member) from my letters I had sent requesting the charges back and said that after a number of letters they will give me a deafult notice unless I pay the amount I am over my agreed overdraft by a certain date. As soon as I got this letter (I have my UK post sent on to me), I phoned NW and made the payment and said I would make sure I transfer money to that account on a regular basis, not much, but it shows I am tring to reduce the overdraft. I don't know if they have closed the account, but I can no longer access via internet banking. I have today received a statement from NW dated the 7th May (no correspondance since Jan 08 which lists a load of interest charges and Unauth Overdraft Fee backdated from Jan 08. At first I thought this was wrong because I was well within my agreed limit until I saw on the statement that they have halfed what was my overdraft..... So in about 10 days they will be taking £251,44 out of my account.... Making me more overdrawn and getting more charges next month. Now my question is I don't want to get a default notice as this will go to my family members address, but at the same time don't want to give them my address outside the UK, as that might give them a reason for not paying up, because I am out if the country. I can't afford at this moment to pay £1100 to bring it back within my agreed overdraft limit? So do I ring them and ask them to agree an payment each month and ask them to set up a decreasing overdraft? And what about if I was successful in reclaiming the charges, does that money just get paid in to the Flex account? And how would i know that has happen and how after the overdraft is paid do I get the rest as I expect my account is closed?? Does anyone have any advice? Thanks and again sorry for the very long question

Ok Thanks. So I would then just pay a set amount each month until it's paid off. That's great, thank you.

Hi All, Could someone help.... I am one of the people who have had their account with Egg closed. I have just received my statements through and now going to send off my first letter, however I need to clarify a point... If I was successful and get the full amount of my claim back, I would still owe Egg a substantial amount of money. Would they demand this back straight away or would I be able to continue payment a set amount each month. Please advise...

Can I ask what Egg address you sent the letter too. There are quite a few on their website and I am not sure which is the correct one. Thanks.

I did not realise that you could have your stay lifted. How do you go about doing this then? I would prefer to get this sorted now, rather than wait until Feb 08.

I recived a letter from the court two weeks ago to say that my cased has been stayed until February 08 - GREAT!!

Since posting this Thread, I have been advised by my parents that I now have had a letter from the court to say that the Judge has put the case on hold until Feb 08????? I guess this is because of the test case. This seems unfair!! Comments and suggestions welcome.

I am getting rather concerned. NW have put their defence in to the court which is fine. However I have had a letter from the courts which I have not read yet as I am currently out of the country. I have all my correspondance going to my parents address for them to send on to me. I have been only give 2 weeks to respond and I am still waiting for the letter to turn up, what happens if what I have to sign and return does not get back to them by the 2 week deadline?

I read about the test case on the BBC website as I am currently in NZ, this is a concerned. NW put their defence in yesterday on the day that the 28days was up!! Does this mean then that we could all end up going to court and not winning our claim now?