Bump. Any ideas, anyone?

Hi guys, I've been a Nationwide customer for a long while, but after getting married and getting fed up of their customer service I moved banks to HSBC. I have a Nationwide overdraft, on which I had a reducing limit to pay it off. I was transferring the amount I needed each month to pay it off from my HSBC account. However, I forgot to remove a Direct Debit from the account, which bounced, and Nationwide hit me with a fee for it (the latest of many fees I've had to pay whilst their customer). As a result I was over my agreed limit when it reduced, and they took my OD away, leaving me £1000 in the red. At that point I got a new job and all thought of sorting out my finances went out of my head (yes, stupid I know - house move and new job came together and made life very busy). The OD sat their gathering unauthorised OD fees... I've recently started receiving letters from Fredricksons, threatening me with court action. Like a wally I got scared and phoned them, and agreed to repay £60 per month - the minimum they'd take. I should mention that Nationwide wouldn't discuss this with me - all they'd do is put me through to "another department" which was F'sons. Long story, I know, but is there anything I can do? I must have paid hundreds in bank fees to Nationwide over the years, and the only reason I lost my overdraft with them was due to their fees. Is there any way I can deal with this and maybe get something back? (I know this is my third thread in 30 mins - I'm trying to get my finances sorted out at long last!) Thanks for reading.

In addition to the above, it'd be good to know exactly how much I owe Capital One and also how much of the total is enforceable. Any ideas on how I could proceed to get the details I'd need to check this?

Hi all, As per a suggestion in another thread, here's my battle with Welcome. It's a slightly long and convoluted story, and it shows that I've been a bit silly too. About 18 months ago I took out a £2000 loan with Welcome. A few months later I moved house, and wrote to them telling them my new address. I lost my job, became ill and stopped paying them as I didn't have the spare cash. I heard nothing from them. This time last year I moved again, and once again wrote to Welcome advising them of my new address. I've still heard nothing from them. Being a silly fool, I threw away a load of papers last time I moved house, so I don't have a record of my account number. Anyway, I've decided it's high time I got my finances in order. I wrote to welcome a couple of months back, advising them (again!) of my address and asking for a sum of how much I owe. I repeated this at the start of this month, sent recorded. I've heard absolutely nothing. Any suggestions as to how to deal with them? I don't want to avoid them forever. It'd be nice to find out how much they think I owe them, and how much of that is enforceable. Any ideas as to what to do next?

That's pretty frustrating Having waded through this thread and postggj's promises of Welcome being finished, I was hoping we might be seeing the end of these cowboys

What's the news, then? I've been skimming through the thread and it seems to a series of messages saying "something big's about to happen - Welcome are finished" - nearly a year's worth. Now they were going to be finished on Friday, then when the markets open on Monday. What's actually happening?

Hi there Caggers, I'm having problems trying to get Capital One to recognise that I've moved house. So far I've written to them twice (sent recorded each time of course): 1. A letter stating that I've moved house and that I'd like to sort out some overdue payments with them. I printed, not signed, my name at the bottom. Their response was that they needed proof in the form of e.g. a BT bill. 2. Another letter to them, including a BT bill, and once again printed, not signed. Their response is that I have to write the letter again and this time sign it or they won't recognise it. I really don't fancy messing about with these guys any more, and I certainly don't fancy giving them any more copies of my signature. Are they really within their rights to refuse to honour my letters unless I sign them?