... and so they charged him for that aswell! Son only earns £200.00 a month (he works part time in a primary school) and they've taken £100.00 off him. Son was in the process of closing this account as he had nothing but trouble with them and I honestly believe this is a retaliatory gesture. Put together a letter asking for charges back and received the attached in reply. Any help and advice on our next step would be appreciated.

Hi, folks. I could do with a little advice / insight if anyone has the time. [NB: Not sure whether this should have been posted here or in the Legal Issues sub-forum, so please move it over if posting there would have been more fruitful.] As per thread subject, I have received a LBA from Fredrickson (acting on behalf of Lowell) regarding an alleged debt to Nationwide. The debt in question does appear on my CRA files, is wholly disputed (by me) and won't be statute barred for approximately one more year. Some background: In 2007 I discovered that my identity had been stolen and that multiple mobile phone contracts had been taken out in my name. Additionally an account was created with an ISP using some or all of my banking details. These companies all set up direct debits which later 'bounced'. I managed to convince the ISP and one of the mobile phone providers over the phone that the contracts were entered into fraudulently. Nationwide were utterly incompetent, however, so I ended up sending them a letter sometime in 2008 stating that I was a very unhappy customer; that I had been a victim of identity fraud; that I was refusing to pay their extortionate fees; and that if they were less than pleased with my refusal to pay they should take me to court. Since then I've heard nothing substantive from Nationwide. I have, however, received 5 or so letters from Lowell offering discounts (a tell-tale sign of things awry, I know). A few years ago I did send a letter to Lowell disputing the alleged debt but I never actually got a human response, so I reacted in kind by ignoring their machine-generated threats. Now, out of the blue, I receive a LBA from Fredrickson. Should I not have received some kind of notice from Lowell that they were lemon-loaning to Fredrickson? It might also be worth pointing out that the Nationwide account in question was opened with them when I was a teenager some 12 or so years ago. Also, I am 100% certain that I didn't receive a Notice of Assignment when Lowell bought the debt. Any help or advice would be appreciated, immensely!

Hi. My Wife has received a Default notice for a credit card. She has about £2500 on the card account and they are demanding payment in full. We haven't been able to make any payments this year due to first her & then me being made redundant. She has contacted them before by phone to ask that they freeze all interest/charges but to no avail. She has a current account with Nationwide, and today Nationwide put a stop on it. She had to go into the Nationwide branch to find out why she couldn't access her money. They explained that KPR had frozen her current account - due to her being in arrears with her credit card. Is this allowed? I assume KPR are part of Nationwide due to the fact that the bank assistant gave my wife a telephone no. to ring and it was KPR on the other end. My wife asked them to release the account, explaining that we were both made redundant and all that was in her account was our child tax credits, which we were using to buy food. They agreed to open the account up again, but only after grilling her about our finances and asking about my situation. Incidently I am no longer on JSA as I started my own business due to the frustration of not being able to find a job. I am in fact now earning even less than I was on Jobseekers due to the fact that I've had to start my business from nothing. We can't afford to service her credit card at the moment. We are a month behind with our rent, behind with our water and electricity. What do we do next in regards to Nationwide / Kpr? Any advice would be appreciated. Thanks.

Hi, Last July I went over my overdraft. My dad put £300 in my account and I did not realise it was the other account he put it in. I found out but by then I had incurred fees which were capped at £90 and I was charged a further £20 for going over my overdraft and interest on top. I did not know I could ask these to be waived. I then went into my overdraft the next month by a few pounds. I found out that I was charged an unauthorised overdraft fee as my overdraft was taken away without any warning or letters. I went to Nationwide and the fee was waived however nothing was explained to me about the overdraft. I once again did not know what to do about it so I did not complain. I have had no problems with overdrafts since then. Now in April I decided to move to HSBC for their student account as I felt I may need an overdraft this summer. I got one and I want to close my nationwide account. However in June I made a silly mistake of thinking my payments from some shops had already cleared and ended up having an unauthorised overdraft. I did not understand why and the woman in branch explained how I had got into my unauthorised overdraft as some payments had cleared later. She was no more help than that. I moved out of my university accommodation but I forgot to change my address as I thought by the end of the month now funds had been added my account would close. My bank letters have gone there so I did not know the fees I would be charged. I checked my account yesterday and found I had been charged £45 in unpaid item fees and a £20 unauthorised overdraft fee. This sunk me into my overdraft by £20 and then I had 3 payments clear on the 1st August from Amazon which means next month I will also have the same situation. I have credited my account so I now have £43 in there. How do I go about getting my the money from the charges back? I think I have a fair claim as nationwide took my overdraft away without informing me.

hi recentley lost my job and so i just get paid jobseekers allowance and i had to cancel my bt vision direct debit account has it would have took the money i got to live on but they still tried to take the money out my nationwide flexaccount twice before i noticed now i have a £30 bank charge to pay and i have just let mt girlfriend use my cash card account for her benifit payments untill she setup an account for herself can you tell me if they will or can take the £30 bank charge from my flexaccount out my cash card account even if it,s money that goes in for my girlfriend?

I have a debt with the nationwide and my mums nationwide card got swallowed today and we live at the same address could this be related?

Hi there I've started a PPI reclaim procedure against Nationwide. I heard nothing for 4 weeks, and now they've sent me the FOS questionnaire to fill out. The accompanying letter says that without the questionnaire they may be unable to complete their investigation. The original letter I sent them had quite a lot of detail. Is this just a delaying tactic?

I am a former employee of Nationwide building society, I left the company in August 2011. Nationwide had leased a car through a third party - namely Inchcape. At the time of giving the car back (it was circa two years old) it had some minor wear and tear such as scratches and scuffs etc. In my view only what was to be expected given the age of the car and the fact that I live by the coast and there are problems with sea birds etc landing on it and scratching paintwork. This week (April 2012) I've been sent a letter from Nationwide (a letter to action) stating that Inchcape had to perform repairs to the vehicle totalling £1800 or so. Nationwide state Inchcape have written to me several times although I have never received a letter from Inchcape. Nationwide are now demanding that I repay them the full amount or they will initiate proceedings. There are a number of factors to consider: 1. I have a receipt dated the 26/08 (the date the car was collected) that confirms there are some scratches etc to paintwork - however at the time of conducting the inspection there was heavy rainfall and in my view the inspection was not carried out properly. Unfortunately I signed the receipt but having realised the lack of thoroughness of the inspection I refused to date it. 2. The mileage at the time of inspection does not tally with the mileage given at the point at which a full inspection was conducted later on at the garage. I've google mapped the garage and it is fifty miles from my home. However the mileage has increased by 100 miles - therefore the vehicle has been driven 50 miles somewhere else prior to the inspection taking place. 3. The date of the full inspection by the garage was 31/08 and collection was 26/08, so five days had elapsed between collection and inspection. Nationwide have provide pictures of the damage they say they have paid for - the pictures are very grainy but appear to show far more damage than there was prior to the vehicle leaving my possession. If this is correct then the damage must have taken place AFTER the vehicle left me, not prior. 4. Nationwide are claiming that as I subscribed to their company car policy that I have "abused and neglected" the vehicle and that the "only way" any damage may have caused is due to my "abuse and neglect" of the vehicle. I should also mention at this point that I don't currently have a copy of my employment contract with Nationwide or indeed the car policy, although I am sure these can be provided by Nationwide should that be necessary. So, clearly I wish to fight this as I don't believe I should pay anything, at the time the vehicle left me it was subject to fair wear and tear. As Nationwide are now giving me a few weeks to respond I am hoping that you can give me some advice as to how I should initially respond and fight this. Thanks very much in advance!

Hellooo I am currently a first year student and have got myself into a bit of a pickle. HSBC - £500 overdraft Nationwide - £400 overdraft Wonga - £131 due on the 29th Feb Toothfairy - £466 due on the 4th. The HSBC and Wonga are not urgent as I am planning to pay the overdraft off during summer (I will be working full time again). I am managing to lived within the Nationwide overdraft. I currently work part time so will be able to pay the Wonga. The problem is with Toothfairy. Unforseen circumstances (problem with student loan and rent payments) mean that there is no way I will be able to pay them back ANYTHING until the end of February. I rang them up (no answer) so I emailed them. The first reply stated they do not accept payment plans and are not obliged to deal with debt management companies. I replied to the email stating that I had not mentioned anything about entering a debt management plan and then received a reply saying I should call them urgently to discuss my options. I rang them and the picked up quite quickly. I explained my situation to the woman and she seemed helpful; even said that she should be able to set me up on a payment plan but would need to speak to her manager first. A few minutes later, she returned and said that no payment plan can be set up and if I do not pay on the 4th, they will take me to court for fraud. I have been reading other threads so I am slightly clued up and asked her "why will I be accused of fraud?" to which she replied "You only took the loan out last week and now you are telling us you can't pay. It is fraudulent" I then said "Is it not possible for someones financial circumstances to change dramatically within a week?" and she said "yeah it's possible but it's still fraud" After this conversation, I realised that I had not confirmed how much I owed and what date it was due so I rang back. I said to her "hello, I just rang a minute ago. I want to know how much I owe and when." to which she replied "you owe £466 on the 4th" NO SECURITY CHECK. I would really like some advice on how I should tackle this as I feel I might have to go to war with them very soon. Will they just try to take the money out of my account on the 4th? (causing me to go over my agreed overdraft). Should I call up Nationwide and somehow prevent this from happening?

HELP!!! Hi all, Nationwide accepted in principle my girlfriends loan application for £8,500. She signed the agreement and posted them back wage slips etc as was requested. However, they have now declined the loan because they say she doesn't have enough disposable income. The repayment was £407.99 a month over 24 months. She earns £1,285 a month but after rent, council tax etc they've said no - based on disposable income. Now, they've said she can appeal if she comes up with some more supporting information. We have thought about about a joint application but I have 3x defaults on my credit file with Experian. I earn a good wage and we can easily make the payments. Would they accept our application?? I've had 7 searches in the past 3 months aswell. But would my earnings cover it? Or should I just make up my address details etc in the hope the don't come up with anything negative??? Any help ASAP is VERY appreciated!!!! ... PS: The Nationwide are ringing us tonight to discuss!!

I am acting on behalf of someone else. Aug 2010 unsigned CCA Request sent to Nationwide Credit Card Services. They refused due to request being unsigned. Harrasment via text, phone, letter and door step visits followed. Request sent again requesting that harrasment stops and note that account is in dispute. Harrasment via text, phone, letter and door step visits continued. Copy of passport with signature removed and verified by Nationwide branch. Signed and Stamped sent. While account in dispute, account in reciept of benefits was frozen. Funds are still in this account. Letters of complaint sent to Nationwide, OFT, TS, FSA, FOS and HM Treasury. Unsatisfactory response recieved. Harrasment via text, phone, letter and door step visits still continued. More letters of complaint sent to Nationwide, OFT, TS, FSA, FOS and HM Treasury. Unsatisfactory response recieved. Harrasment via text, phone, letter and door step visits still continued. Office complaint filed with FOS. Harrasment via text, phone, letter and door step visits still continued. FOS ruled in favour of Nationwide, stating that CCA Request was unsigned. Non-compliance with Nationwide's request to provide signed authority. They have a copy of the CCA. They are have that it is valid. They are happy that funds were legally transfered as per the terms and conditions. FOS also state many inaccurate statements. Is it worth appealling against this (by 15th June 2011)? Or should I take this straight to parliment, as OFT, TS and FOS all seem to be in bed with Nationwide. Or are the Government in bed with them too? Or is it time to go for an IVA or Bankrupcy???

I am dealing with the legal letters on behalf of a friend. Bank Accounts - Nationwide FlexAccount, Nationwide Cashbuilder. August - CCA Request sent to Nationwide Credit Card Services (Response was no signature, no agreement) October - Notice of Litigation and SAR sent to Nationwide Credit Card Services (Response was to state that requested information was available at local branch - Followed by three doorstep visits) 18 Nov 2010 - Signed for letter of complaint - cc to OFT and Trading Standards (Response on 19 Nov 2010 was to freeze Flexaccount and Cashbuilder accounts with balances of around £400) Telephoned OFT - Advised to call Financial Ombudsman. Advised me that they do not have this power. My friend called to give her account details and was advised by the same person that Nationwide can do this. Just sent a lovely email to Dominic Littlewood to see what he can do. Any other ideas? Copies of letters attached. My friend has her son and daughter living with her and her 1 year old grandson. She has Working Tax Credits paid into these accounts. She has no funds to top up her Electric and Gas cards. She has now recieved a letter to state that should the balance of the credit card (£7931) is paid within 14 days that the £400 in the Cashbuilder account will be transfered to the credit card balance. This letter was delivered by the same Account manager that carried out the uninvited door step visits. Nationwide.pdf

Hi all, I have been a member of the CAG for a while now and have in the past successfully sued Nationwide for my bank charges but it has been quite a while since I have been here. I also have a credit card with them and they have been nothing but vindictive ever since I recovered my bank charges. I have been studying for a degree which I have had to give up, partly due to ongoing financial problems and depression , all exacerbated by the ridiculous and, I would say criminal, behaviour of Nationwide. For the past 2 or so years I have been trying to pay the card off, but due to the nature of living off student loans etc. it has not always been possible to maintain these payments. I had been proactive and advised them in advance that I would be experiencing difficulties but they did absolutely nothing to help! Now I find myself in a position whereby I have had to give up my degree and therefore am no longer in receipt of any finance, I am in the process of job hunting but this has not affected Nationwide's stance either. They have passed the debt, a measly one at that, to their in house collections dept. KPR. I have been to the CAB recently and they have arranged for me to see one of their professional debt counsellors, but in the meantime they also phoned some of my creditors to ask them to 'lay off', at least until I have seen this counsellor. They all obliged EXCEPT for Nationwide who refused point blank to the CAB guy down the phone - he was aghast! Sorry for the length of this intro but I felt it better to lay a good foundation, so to speak. What should I do? Should I send a CCA request as I have been reading and if so, who to? Nationwide or KPR? Any advice would be greatly appreciated as I can't handle this treatment anymore, I have enough on my plate without the corporate greed and bullying tactics being demonstrated by the Nationwide. Kind regards

Nationwide chief executive shuts down email address, Guardian Frustrated? Angry? Then bypass the usual route and go straight to the boss, Times Complain by email, just not to Nationwide boss, Evening Standard Fortunately, he has since backed off and is now using a real e-mail address again: gbeale2

This is a copy of a letter that went to Shelter, Nationwide and Utility Warehouse ----- Dear Sir It is with regret that I must inform you that I have cancelled my Direct Debit to yourselves. Shelter is a very worthwhile charity and I fully believe that it deserves support for the work it does for those people who are homeless - much moreso since the banks' failures have left more and more people homeless - ironically, numbering among them their own staff. Unfortunately, I allocate a set amount of money each year for charity and bills and this year the money allocated to charity has been eaten by unnecessary and unwarranted bank charges. To explain - my energy supplier, Utility Warehouse sent myself a bill last month informing me that they would take payment on or after 30th July of this year. They did not, they attempted to take the money one day early - on the evening of 29th July. Despite contacting my bankers - Nationwide, the bank levied massive and disproportionate charges for this failure. As I only have limited funds, something has had to suffer as a direct consequence of these unwarranted and disproportionate bank charges and unfortunately that is your charity. Might I suggest that you contact both Nationwide and Utility Warehouse and ask them if they will make good the charitable donations you have lost from myself. If you wish to release this information to the media, you may do so with my blessing. I have copied in my MP so he can be aware of how Nationwide's greed and disproportionate charges are impacting charities. with much regret