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Well, today the Nationwide rang me and as usual started off quite aggressive. Alleging fraud as I had issued cheques knowing I did not have the cash to cover them. I refuted this and said I was fed up, would open another account elsewhere and would not pay them anything. We all calmed down then and surprisingly they agreed as a goodwill gesture to pay £300 in charges back, put my account back to working, reinstated my oevrdraft and have reactivated my cards. I can if I wish still sue for the balance, have not signed any agreement re confidentiality and am a happy bunny. I will be eating meat tonight not lentil stew!!!!!!!!

Hi all, I have been charged over £750 in penalty charges in the last 18 months and after reading about the legalities decided to take some action. i spoke at length to the Nationwide and they promised to refund the charges, they have not done so. I wrote last week and threatened legal action (as they would not answer my letters). The result is: They have removed my overdraft facility My cards have been cancelled My flexaccount has been removed from the internet banking site I am stuffed?? I am going to try to open a basic account with another bank (Abbey?) to pay my salary into and invite them to sue me for the blance on my account. Any ideas to help would be much appreciated. I did thankfully download all my statements for the period as a CSV file and have these in a spreadsheet. They have given me derogetory credit rating with experian too. I am really annoyed!!!!!!