I wish I banked with the Co-Op!! Nationwide refused a visa dispute/chargeback on my £250multiple debits to CFO as they obtained a copy of the £100 loan agreement with all of CFO's default charges on (including for letters they didn't send) and as we came to deadlock they sent a final "No" letter and I am awaiting the FSO to try to get my money back (which incidentaly half of it was my child benefit payment) since 31st July. I am not going to give up though!

Thank you both, that is what I understood and that's why I will fight until they refund me - I did try staying on the phone and speaking to different people but in the end when he kept repeating that's their final decision I had to stop the conversation and will take the next step now they have actually said they will put their reasons for refusal in writing. Nationwide have been an absolute nightmare and more than useless in helping me, they are more interested in allowing companies like this to bully people like me. That money means a lot to me and has put my family under extreme financial pressure and I will not them win!

My saga continues - looks like I will be putting a complaint into the FSO. After a month of stalemate and their fraud team investigating -even though I completed and asked for a visa dispute to go ahead, not fraud, I finally spoke to a member of the fraud team last Thursday who said they had handled it by mistake therefore no visa dispute investigation had been actioned. he then said he would pass the file to visa disputes for them to deal with and he didn't know if they would refund immediately or have to wait until after they had investigated. Got a letter on Saturday from nationwide visa disputes saying "they had looked through the documentation and unable to initiate a dispute as the transactions appear to be valid". Fuming I rang them this morning, armed with FSA/OFT etc guidelines, spoke to 3 people. One of them from complaints (I asked him specif. if he was customer relations-he said yes). He said their final answer is no dispute and happy to stand by their decision when I complain to the FSO. Their "evidence" (which they are sending to me) is an online contract "proving" I owe them money/took out a loan. My arguement to him was I did not approve those specific transactions to that company on that specific date as per FSA/OFT guidelines - he was adamant that this did not matter-they have a loan agreement and that is their final answer. They are putting it in writing so I can go to the FSO with my complaint and all their incompetencies. Am I in the right still to pursue the visa dispute with the FSO?

Hi Bradders 73, Would it be poss. for you to tell me what you wrote to get Nationwide to refund you? I am in the same predicament (just less money-around £254.60 in total)- I had repaid CFO at the end of May, then they fleeced my account of my child benefit plus more. Nationwide even let them go overdrawn on my account-something they have never let me do in the 2 years I have banked with them. I have phoned=stalemate, I actually stayed on the phone 45 minutes refusing to go without a refund - all it left me was another £18 out of pocket with the phone bill. I've sent so many secure messages-but they have just ignored them. I sent copies of the FSA guidelines etc-all ignored. I went into local branch-they just got me to complete a visa dispute form and said it would need to be investigated. Although they did get me to speak to their Fraud dept. on the phone-but they didn't want to know as I had had previous dealings with the company (although I told them I had repaid the loan in May and had not given my card details - this was a new card issued in June). Thank you for any help you can give as I am desperate to get my money back-I could not pay my rent last week and at this rate won't be paying next week's either, or eating!