kopw v Nationwide

[kopw]

Hi all,

 

I have gone on the offensive against Nationwide. I already have a claim in progress against shabbey. Anyway, last month, I went overdrawn at Nationwide by 21 pence and was charged £30 for the privellage. I'm normally very careful about the money I deposit into this account simply because I use it to pay all my bills. It saves me a lot of confusion. Anyway, I don't usually go over with it. I decided to send them a S.A.R on 4th Sept. I received a reply yesterday, dated the 19th Sept, with total charges of nearly £400 over the past 5 years. I was surprised. I've sent them a letter today asking them nicely to pay me back all that money they've taken from me unlawfully withis 14 days. Now I'll wait for their reply minus a cheque.

[hedgey06]

I've sent them a letter today asking them nicely to pay me back all that money they've taken from me unlawfully withis 14 days. Now I'll wait for their reply minus a cheque.

 

I like your style kopw!!!!

 

Best of luck x

[kopw]

Received a reply to my preliminary letter today, no cheque though. It's a bit of a long winded letter but I'll give you a taster. Please let me know what you think, here goes, this is the second paragraph.

 

" As you know if we allow items to be paid and it means 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. Details of our tariffs are contained within our FlexAccount Interest Rates and Charges leaflet, freely available in branches and on the internet. The details will also have been provided to you when you opened your account and you will have agreed to accept these when you sifned the flex Account application form".

 

In short, what they're telling me is that they have levied these charges because I broke their terms and conditions.

 

Can anyone please advise me of my next step?

 

Thanks, kopw

[hedgey06]

Can anyone please advise me of my next step?

 

With pleasure! Send them the LBA and sit back and wait for them to send you an identical letter to the one you've received today!

 

Yes - you did breach the terms and conditions of the contract. They then applied unlawful penalty charges to your account that you, as a consumer, have a right to reclaim.

 

The banks are all hiding behind the test case at the mo so they won't be paying up at prelim or LBA stages. This leaves you only 2 options once the LBA deadline expires; file N1 at county court or wait for the outcome of the test case.

 

However, you can cross that bridge when you come to it. In the meantime, send them the LBA and have a good read up on the threads (general and stays forum are both good places) about the OFT test case.

 

Best of luck x

[kopw]

I honestly don't know what I'd do without this site.....Thank you so much just for being there.

[hedgey06]

It's a pleasure - that's what we're all here for.......... good old fashioned support x

[kopw]

Ah well,

 

Received a letter from Nationwide this morning, a carbon copy of their first one. A shame really. It means a trip down to the County Court on Monday and a long wait until the "test case" has been settled. At least I can view it as an investment growing at 0.021% per day. Roll on Christmas 2008 or even better, 2009. Just imagine all that interest. They say it's nice in Oz this time of year, thanks Nationwide.

[kopw]

Hi all,

 

Are there any up-to date POC's for Nationwide?. I have had a look but can't find any.

 

Thank you all.

[kopw]

I am about to set the dogs on nationwide. I can't however find my original terms and conditions. I have written to nationwide on three different occassions asking them very nicely to send me them. They have not.

 

Has anybody got any terms and conditions for the flexaccount? Without them my case could be struck out. Thanks, kopw