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Hi all, I didn't even get to the point of taking the Nationwide to court, today they paid £3211.00 back into my account without accepting liability. I would like to thank Dave and all the guys on here who have helped me and my husband through this, you are all stars. Thank you so much Gina G X Threads merged

I agree the fact is whether there is information in there (type case small font so you cannot see it) these charges do not represent the amount of work that a bank has to carry out following the return of a DD or similar, my bank pretty much told me I am a silly little girl for not handling my account properly. We shall see

OK I think you are right I shall wait Gina G

would i lose the case if i didnt wait 14 days? fact is they have had their chance and i have just been told by the bank this will be their only response. I dont want to wait 14 days?

yippeeeeeeee thanks guys that makes me feel much better. Gina G XXX

I am not sure to be honest, but the fact is irresepective of what it says bank charges are unlawful because of their nature, or at least thats what I am lead to believe. Gina G:)

Thanks

thank you for the replies much appreciated, but i still wait until the 14 days are up before going further with this matter? Gina G

Is it work speaking to this Matthew fella or not?

Hi all This is the letter I had sent back to me by the Nationwide this morning in response to the letter before action I sent March 13th, do I now start with the court proceedings? Thanks Gina G ......................... Dear Mrs G Your letter of 13th March has been forwarded to me by Bognor branch as they have been unable to resolve your concerns I am sorry that you have had problems managing your account that have lead to high level of charges being debited. The charges were of course avoidable through responsible account management and have only been levied because items have been returned or your overdraft limit been exceeded. In common withmost providors, we make charges in these circumstances. You agreed to our charges signing the Flex Account application form, confirming acceptance of the relevant terms and conditions. Our charges have been levied in an apppropriate and transparent manner and in accordance with the Banking Code. Details of interest rates and charges are set out in a leaflet called 'Flex Account Interest Rates and Charges' freely available in branches and included in the Flex account information pack. If at anytime changes are made to our tariff account holders are always advised of the new charges. Members are pre-notified of pending charges, and the reasons for them, with their monthly statements. In relation to other organisations, our charges are very competitive and are some of the lowest in the market. I regret therefore that I cannot agree to your request to refund your charges and interest. I can be contacted at the above address and telephone number. I enclose a leaflet explaining our internal complaints procedure. Please also refer to the paragraph at the end of this letter. Yours sincerely Matthew Ralph West sussex area office

Hi all, I have sent the letter before action to the Nationwide on March 13th, also I sent the bank a message via the internet asking them not to add any more charges to my account. Usually the nationwide replies to my messages within 5 days this time however they did not, and that makes me kind of glad Gina G.

Thank you very much and sorry to be a nuisance

Hi Could some one help me as i am confused, I want to start action against the nationwide and the charges they have incurred to my account over the last six years. Do I just fill out the prelimainary claims form and post it into this room? or do i print it off and send it to my bank? Please help Georgina