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Bernadette

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About Bernadette

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. As a Lloydtsb customer I know these are the Charges for returning the direct debit unpaid. I have also noticed the charges vary from time to time.
  4. Bernadette

    Part Refund

    Hello, I too have an account with MBNA now sold to LINK. I was claiming back charges from when it was still with MBNA. Charges plus interest came to £366.97. They have replied saying they will credit the Link account with £90, a GOODWILL payment. Do I accept this or ask for the full amount to be refunded? Any suggestions to what I should write/email/phone and say to them? Thanks.
  5. Hi, My husband had an a/c with Lloyds plus an overdraft facility of £500. They tool the o/d off and started to charge him unauthorised borrowing fees taking the balance of his account to aprox £2000 Dr. The account is now closed and with collections. I have gone through all the procedures, sent the letters working out that his charges plus interest at about £1700, the rest of the balance is made up of overdraft usage fees. During the time the charges were being added my husband contacted the bank regularly asking for his o/d facility back as this would have prevented the charges. They r
  6. Hi Eddiemno, Thank you for your comments. It does help with the confidence when I get replies. I was hoping I would get a few more opinions on this matter! Thanks again Bernadette
  7. Hello again, This is the letter I am sending to Nationwide re the £100 Compensation. Thank you for your letter dated 27 April 2007. With regards to the charge for £1151.13, I have enclosed a copy of the statement detailing when it was deducted. It war debited on the 24 March 2004, detailed as “Additional Charge”. There was also an amount of £138.76 debited on the 8 October 2004, with the same narrative. I have no idea what these charges relate to. The fact that neither yourself nor the solicitor knows what these charges are tells me that they are unlawful and should never have b
  8. Hi, Thanks for your reply. When I contacted the financial ombudsman At the moment I am drafting a letter to Nationwide acknowledging receipt of their offer but also detailing ALL the problems I have had with them over the past 5 years and the total lack of communication and customer service. It has led to both Financial and personal problems. Maybe I should seek Legal advise? I am just worried about doing the wrong thing! Bernadette
  9. Hello, does anyone remember me and my NATIONWIDE problems? If you do, would you believe I am only just getting somwhere!!! After my constant letters never getting any replies, I went to the Financial Ombudsman. They sent one letter to Nationwide telling them that I had contacted them with a COMPLAINT. Guess what, I had a reply! The first reply dated 13/03/2007. They apologised and confirmed that they had been adding Late payment charges since 2003(Incorrectly), and in this instance the charges would not apply. The amount they were removing only covered 2 years charges which was only ha
  10. Hi, Iv'e just read this section, TOO LATE. I, like you, Natalieliedickinson, LET THEM IN, But I was even more stupid, I told them nothing was on HP as we were in so much financial difficulty, I would never even try for HP. He made a list, gave me income/expenditure form and left. I sent the Inc/Exp form back with a cheque for £50 plus an offer to pay £50 per month(this would only be possable if my husband gets a job soon) He as been unemployed for 4 months for the first time ever in 25 years. I work Part Time and my wages only cover the mortgage payments. They have cashed the cheque but s
  11. Hello again, Still no response from NATIONWIDE or to my 4 emails I have sent to Charles Bacon! Any suggestions or ideas please? Thank You Bernadette:confused:
  12. Hi All, It's gone over the 14 days now and I have had no reply from NATIONWIDE. So much for customer service! I am furious they haven't even bothered to reply. I am going to resend the letter to Charles Bacon to see if I have any luck there before I take It any further! Bernadette:mad:
  13. Hello All, I'm back with an update. Received statements from Nationwide.......... They have been charging me "Late Payment Fees" since 20 Dec 2001. And I have never received any notification of these charges or any statements. The charges add up to about £4500, but Two charges are just on there as "Additional Charges" One is for 138.76 and one is for 1151.13??? I have sent my letter asking for it back today plus an explanation of the Additional Charges! Bye For Now B.
  14. Hi, I Have asked them for £180, they have credited my account with £80 taking each charge down to £12, they say as a gesture of goodwill!
  15. Hello, I sent the LBA to Capital One asking for £180 back in charges. On the 14th Day I had heard nothing....But phoned up for a balance to find I had,had a refund for £64 and one for £16, That is £80 I think!!!!!! I have had no correspondence as yet telling me I have a refund of £80 and I wonder what has happened to the £100. Perhaps they will refund that too??? Any Ideas? Bernadette:confused:
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