Nationwide BS

[lillylou123]

Wonder if anyone can help. I wrote to them to ask really nicley if i can have my £90.00 back they charged me for going overdrawn, back in 2007. Sent them my I+E and applied under the hardship rules. They wrote back to me saying sarry to hear you are struggling but at the time of the debt you were not struggling so they are not paying me any money. Any advise apart from lots of nasty words i could send them.

[MARTIN3030]

Sorry for the late response.

It should not be an issue as to whether you were struggling or not at the time the charges were levied.

The fact remains that you are seeking them back now and they are required to deal sympathetically with your request as per banking codes guidelines.

How long have you been trying to get this sorted ?

Have Nationwide put their response to you in writing ?

[lillylou123]

I sent of for the statments back in 2007 and went through the process upto the point of court then stopped. We recently got into financial difficulties so thought i we re-ask under the financial hardship, sent off a bog standard letter and then got a written response, saying thank you for submitting an income and expediture form etc and were sorry to hear of our current situation but after carful consideration they felt that these charges incurred in 2007 when our finances were not a problem. Words to that effect.

 

Wondered what to do next.

[MARTIN3030]

Give them another chance.

I suggest something like;

 

 

Dear xxxxx

 

 

Thank you for your letter of xxxxx in response to my request that you refund my charges as consideration of my financial situation.

I feel that I have complied with the expectations of the Banking Codes,and also the Financial Ombudsman,in furnishing you with evidence of my financial status.

 

It is immaterial when the charges were imposed,and this should not reflect on your responsibilities to look sympathetically at my request,as per banking codes guidance.

Moreover,I would remind you of your responsibilities that Nationwide agreed to observe in the waiver agreement between yourselves and the Office of Fair Trading,that cases which show financial hardship,should be dealt with speedily and sympathetically.

 

I therefore request your final response in writing that you will not be refunding those charges,so that I can take steps to seek assistance from the Financial Ombudsman to recover them,and additionally question your eligibility to continue to be offered waiver status when you are clearly failing to uphold its conditions.

I will give you a further 14 days.

 

Yours Sincerely/Faithfully

 

 

xxxxxxxxx

 

 

 

Send recorded using the same ref number and contact details that appear on the letter which was last sent to you.

 

Keep us updated.

Edited May 9, 2009 by MARTIN3030