This topic was closed on 09 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

This topic was closed on 03/06/19. 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

Hi Dolly, I have just filed a claim at the small claims court in Bath for £1484.31, against Nationwide. It was lodged on July 12th and it will be deemed to have been served on 14th July 2006. I am afraid I just have to sit tight and wait for the outcome. I will keep you informed. I wanted to claim back in May, but lacked the court fee of £120.00. Well now I have a new, well paid job, so felt I had to use £120.00 of it to pursue this claim. I have worked hard following all your advice and did not want all that work to be for nothing. I have opened a new account with A & L so that if they close my account I really won't care. Best wishes Blacksheep

Hi Cleopatra Blacksheep here, When I last contacted you I was too poor to pursue my claim. Well now I've got a new job and I have used £120.00 of my first wages to file my clain in the small claims court. I am now claiming £1484.31, as Nationwide has continued to add charges. The small claims court will send you leaflets clearly explaining everything, and this includes how to calculate the interest owed to you. They will only give adminisrtative advice though, such as advising you if you have missed a vital bit of information or a particular paragraph from your form, this gives you time to get it right before actually submitting it. Good luck, have patience and wait for your reward Blacksheep

Hello, I am Blacksheep and I have also just submitted a claim in the small claims court for £1484.31 from Nationwide. My best advice is to not panick. Its all out of your hands now, the court process will go ahead and you will be given information on what to do, as and when you need to take action. If you find anything difficult to understand the court officials are very helpful and will explain all of your options to you. Make sure to keep on visiting this site for information and support. Remember its YOUR MONEY and you should have it back. Very best wishes Blacksheep

Hi everbody, Ive just submitted a small claim against Nationwide for £1484.31. Now they have 14 days to reply; with a possible further 14 days grace if they decide to defend the claim. I will keep you all posted about my situation, wish me good luck. Thank you consumer action group for making this possible. Best wishes Blacksheep

Hi, I am with Nationwide and I have never had any letters, the charges simply appear on my bank statements as a surprise. I have just submitted a small cliam for £1484.31, and I mentioned the fact that I have not actually received any letters in my submission. I am after all trying to prove that the charges do not represent their true losses. I would hate them to get paid for letters they could not even bother to claim. Best wishes Blacksheep

Hi blacksheep1979, I am intrigued, as I am Blacksheep! NatWest, initially refused to send me my statements until I sent them £15.00. I asked again enclosing a cheque for £10.00 telling them that this is the maximum they can charge. I waited, and waited and asked again. My first request was Feb 27th 2006, suddenly my statements arrived saying they had only just received my request, this was on June 27th. The letter was dated Feb 2nd (They probably wanted to give the impression my letter had been lost in the post). However the accompanying letter was dated Feb 2nd 2006, three weeks before my original request! I will have to complian to the information commissioner now. I have subsequently received my statements 3 tomes over, good luck with your claims. PS I've just submitted a cliam in the small claims court for £1484.31 from Nationwide building society. Keep your fingers crossed for me Regards Blacksheep

Hi Cleopatra, I got the very same reply, it was just signed by a different person, a Sarah Watson. I hope you will be able to carry on to the small claims court. I was not able to take this course right away, as I lack the £120.00 fee at the moment (hardly surprising really). But don't despair. you may get help or an exemption from the fees if you are on certain benefits. My Local county court are sending me information on how to apply for this. They take into account your income and outgoings. I have to put my claim on hold because I am too poor to pursue it, but I will pursue it at the earliest opportunity. It's people like us who need these refunds the most. Keep your nerve you'll be ok. I am the Blacksheep

I wrote to Nationwide on 20 April 2006 requesting the return of £1179.96, comprising £1049.00 plus £130.00 charged over the last 6 years. I got a reply dated April 25 from Sarah Watson the Team Manager in Member account services. First she told me that feedback from members is absalutely vital.Then she went on to say "As you know if we allow items on your account to be paid and it means that you exceed your agreed overdraft or we have to return an item unpaid on your account then we will make a charge in accordance with the terms and conditions". She went on to say "I hope this has helped to clarify our position and you will appreciate why I am unable to refund any charges on your account". Now I need to take them to court, however it will cost me a court fee of £120.00, which I don't have quite yet. Any suggestions for what I should do next? I am the Blacksheep

Thank you Bank fodder, I shall follow your advice and write back to Natwest enclosing a cheque for £10 so that they have no reason to refuse me my rights. I will have to wait till Friday Payday though, as I've just started a new job which is not well paid. I will keep you posted. Very Best Wishes Blacksheep

Thank you Stefbate, You may not think you can do much, but moral support is just as valuable as practical support. so thankyou very much. I would be interested to know how you get on too, please keep me posted. Best wishes Blacksheep

Both my husband and I have received 'Immediate Bank Charges' from Natwest. My husband was charged £38.00 for going £2.99 over his overdraft, resuting in him being over £40.00 over his overdraft, and of course that will attract intest charges. I was charged £38.00 when my mobile phone provider requested my payment unexpectedly one month earlier than arranged. I had no opportunity to tell Natwest that I did not wish to pay Orange so I have ended up having to reclaim this money from Orange. You see Natwest are not interested in having a conversation with the customer, clawing in penalties is their game! Blacksheep

Just to update you on my progress. I wrote to Natwest using the 'Data protection letter template'. I requested 6 years of bank statements and all details of bank charges levied on my accounts. Natwest was unhelpful. I got no-where. They wrote to me to say that ""To obtain the information we hold for you on your personal file you will need to complete the Subject Access Request application form which is enclosed in the "The Data Protection Act-Your Rights" leaflet. As you will see there is a £10 fee for this service. With regards to your request for a list of all your account transactions, you will need to request for copy statements to be produced. The fee for this is £5." Does any body know if I will have to pay or am I entitled to receive this information free? I am sure you can imagine by now how I resent sending any more money to this bank. I have spent too long being afraid of banks, I just have to keep my nerve now, so any support would be gratefully received. Please post a reply if you can help Very Best Wishes The Blacksheep :?