can you help. I have just taken the bank to court and got £470 back.i thought that was the end of the matter but today 19 7 07 i received a call from the alliance and leicester demanding i pay them the money i won back to clear the outstanding overdraft..they had already closed the account before it went court.I only went overdrawn because of their charges.surely they cant try and get the money back i won??? please help regards lee moore

can you send a link to the survey many thanks lee

hi dolly i bloody won i cant beleive it. received a letter today say that they have put the money back in my account and paid the court charges. so i,d just like to say thanks for all your help many many many thanks lee p.s how far can i go back because i have got an abbey one that i closed a year ago? cheers all

cheers lyverbird

hi dolly got an aknowledgement letter back today. i think they are going to contest it what happens now? many thanks lee

Hi dolly i hope so i got a funny feeling they will go to court

hi dolly i have received the courtnotice of my claim so the wheels are in motion i hope they dont contest it although i they will go all the way. also thanks to michael browne for the letter what will be my next move? many thaks Lee

Hi Dolly Any chance of letting me have that template so i can send them the letter please. another crap performance from the yids,your lot had a good result..

Hi Dolly I made the claim after they sent the letter I hope that is not a prob Av a good one at the footie Hope to hear from you soon Many Thanks Lee

Hi dolly sorry i have not been in touch sooner.I have made the claim at last.I do have one slight prob though. I have just received a default notice from the bank.I am not sure what to do or what they will do, please can you advise. Many Thanks Lee

Hi Dolly I have made the claim today I hope it works. I have also received a letter from the bank saying that they will issue a default notice on my account.What should I do?. I hope i have not left it to late. Many Thanks Lee

sorry dolly I have not done it yet I just had so much to pay out for I just hav'nt had the dough.As soon as i have done it i will let you know. I hope there is no time limit. thanks Lee

No none yet,waiting to be paid. not a bad uefa draw for both our teams,could have been worse

Hi Dolly I will be sending the moneyclaim today hopefully they will cough up without going to court. Not sure what team you like my guess is your a Blackburn fan? Thanks for your help twinkle Lee

Hi Davisco2 A begrudging thank you mate,you were lucky getting that champ league spot,on the other hand we were crap the last game of the season... I will be sending the moneyclaim asap Thanks again for your help and good luck for the season. Lee

Hi Dolly Got another letter today 16/8/06.It says that they have finished their investigations They say that they have abided by the rules etc but they will not be refunding the charges. What should i do? Please advise me because I am livid Please contact me a.s.a.p Many thanks Lee

Hi dolly I received another letter today saying that it will take upto 8 weeks to make their decsion.I think they are taking mick so once i have the money i will issue a claim. Thanks for all your help,Iwill keep you posted Lee

Hi Dolly Just to add, they said once they have made a decision it will be final. Can I still claim even if they have made their decisison? or should i send another letter stating that i will be issuing a moneyclaim? I just nedd to clarify it. Many Thanks Lee

Hi Dolly Got a letter back from the bank.It basiclly said that they refering it to their member service team if I was not satifsfied I could take it up with the Ombudsman. My question is,shall i just proceed with the Moneyclaim or just wait for their decision? Many Thanks Lee

Thanks again. I have recently found a job so I,m back in the land of the living. I just hope they payout Lee

Thanks Dolly. I have done the things that you have suggested alreay. i have set up a new account etc I will be sending them the LBA and then take it from there. Thank you for your help it has benn very much appreciated I will keep you poisted on further developments Lee

CAN ANYONE HELP ME PLEASE!!!!!!!! Let me please explain my situation: Earlier this year I was made redundant and it unfortunately took me the best part of half a year to find new employment. Thankfully though, when I was laid off I had some savings which meant I could pay my rent and buy food – that kind of thing. As the time of my unemployment lengthened my money ran out, which meant I was at the mercy of the local council, the benefits office and lastly, the Nationwide. Now, whereas the council and the benefits office eventually started giving me benefit, the Nationwide thought it would be better to take it all away from me and leave me with nothing. In fact, less than nothing! As my money ran out the Nationwide began charging me a little here and a little there. The majority of the charges levied against me were due to bouncing direct debits but as these charges added up I went into the red. My reward for this was having the Nationwide charge me for having an ‘unauthorised overdraft’. This chain of events continued until I had been charged a total of £530 over a period of four months. Eventually my unauthorised overdraft reached three figures until I was £270 in the red, Now, as mentioned I was being paid unemployment benefit, which was being directed into my bank account. The Nationwide now began taking the whole of this as payment against my charges, meaning that I was left with nothing to live on whatsoever. It would be about now that I reached the end of my tether and contacted the bank. The first person I explained my situation to was a young chap who worked in my local branch. Apart from looking completely disinterested he managed to inform me of something I knew only too well – that I had no money in my account to withdraw. When I mentioned I was unemployed and that this was the only money I had to live on for the following two weeks his interest (or lack thereof) remained the same. Upon getting home I contacted the bank by telephone, to which I received the same general reply. Now I thought fine, I’ll get a job and this won’t happen again. So, two weeks later, exactly the same thing happened again. This time, after another ‘polite discussion with a caring human being’ I was told the same – I had no money. As well as this I was still being charged and now the cupboards were bare. This is when I discovered the Consumer Action Group and began learning that perhaps I was being unfairly treated by those looking after my money. Now, after having read through some of the other comments I’m posting with a request for guidance. At the moment I think I’m on the right track but I just wanted to ask those who know to prod me in the right direction and to let me know if I’ve gone about it the right way and claimed for the right things. Anyway, that’s the story, this is what I’ve done so far… 1 – Went to the bank and explained to the clerk (who didn’t give a hoot) that they had taken the only money I had and specifically that it was a Government benefit that they had taken. 2 – Spoke with a Nationwide telephone representative (same result) 3 – Downloaded, doctored and printed out a copy of the initial contact for payment letter. Armed with this I went for a meeting with my branch manager who basically said that they were well within their rights to empty my account and then charge me for an unauthorised overdraft regardless of the fact that it was unemployment benefit and that I had no other money to survive on. I left her with a copy of the letter, stating that I would be sending another copy off to their head office later that day. 4 – The same day I received a phone call from another Nationwide employee who offered me £150 as a way of saying ‘no hard feelings.’ As there were hard feelings I turned down this offer and posted the letter. 5 – Ten days later I received through the post an official letter stating that the Nationwide were not going to give me a penny back and that they were well within their rights to take my money. After receiving this letter I telephoned a local solicitor for some advice and they basically said that I could get some legal assistance but I would have to be very wary of this and that it could end up costing money I may never make back. Now I believe I’m on stage 6, which is to send a second letter requesting a refund of monies taken. My question is, am I on the right track?. I am relatively certain that I can claim back for the entire amount, given the information on this website but could someone please confirm or deny this for me. So that’s it i,m £270 overdrawn and the total sum of bank charges comes to the toal of:£530. Any help will be truly appreciated. Thanks in advance, Lee.Moore [