Read Before You Start Action!!

[cfajones]

I've had an account with Nationwide for about a year and a half after transferring all my direct debits and standing orders for a "better interest deal". Big mistake!!

 

In that time they took £240 from me in charges for silly things like going overdrawn by a few pound with a direct debit even though I paid cash in the SAME day to cover that bill. They always said that it has to be in your account the night before to count!! Strange - HSBC have never done that to me.

 

I got sick and tired of this, so I took advice from this website and wrote to them asking for my money back. They fobbed me off with a standard letter saying that it was in their terms and conditions. I then started legal action and took them to court. (They probably weren't expecting me to do that.) Now the good news - I got all my money back last week, including the £30 fee... and now the bad news! I got a letter today saying: "It is now clear that you are unwilling to conduct your account in accordance with our Flex Account terms and conditions". What a load of rubbish?!? They are closing my account out of spite because I took them to court and won. The full letter can be read here:

 

http://www.freewebs.com/sizzlingsam01/Nationwide%20Letter.jpg

 

What I found funny is that are threatening ME with legal action now if I use the account after 22/09/06

 

So be warned, make sure you have another current account to fall back on before you start action. Otherwise you could be in trouble. Thank God I am still with HSBC after 13 loyal years.

[jburchell]

Interesting to see the letter. I expect I'll be getting one soon - they acknowledged my claim yesterday.

[dolly]

It is a standard letter - everyone who has claimed bank charges back has had one of those.

[fox]

Hi

 

I took action against Nationwide and got a couple of eltters warning me they woould close my account but yesterday got a letter saying they have refunded my charges and no mention of closing my account - I have checked my balance and they ghace so far paid my court costs and interest but niot the actual charges so will hopefully get them on Tuesday - just wondering if the letter to close my account is on its way - not really bothered as I have another account elsewhere that I can use

[dolly]

Hi

 

just wondering if the letter to close my account is on its way

 

It will be - you'll probably get it next week.

[cfajones]

Hello, yep that's what they done to me. I got my refund last week and about a week later I got the letter that you see above. A standard letter it seems, so they're probably prepared for a lot of this type of thing.

[debt_mountain]

"Cutting off their nose to spite their face", very short sighted of them and very "petty". I am sure most folks would have kept their account in the NW were not known to close account.

 

They would still make good profits from "our" money and also not loose future trade from our kids who will also move banks I guess.....would you recommend them to anyone? My son is not yet 2 so we have control over where his cash is kept.

 

Very silly NW!!

[bathgatebuyer]

Cheeky beggars! I have reached something of a settlement with them, but have got my parachute account ready and in the process of moving d/d and S/o so that I can eventually close this account. It has been nothing but a nuisance from day one.

 

They sold me on the 'transfer your account to us and you won't have to do a thing'. Hmmm. Apart from cancel the direct debits! I took the 'we'll do everything' at it's word, and ended up with £400 on my former current account as my d/d companies tried to take the d/d from that account. In fairness to Nationwide, they did reimburse the costs of these charges, however, not before the Halifax had served a default notice against me. Not happy at all about it.

 

Still, hopefully my new bank will give me something to 'smile' about.

[cfajones]

Yeah, I won't be recommending them to anybody. I can't believe they're doing this to me just out of spite.

[cfajones]

UPDATE: Nationwide have now decided to defend the court action. Looks like I will have to go to court over £270!!

 

Has anybody else had the money paid to them and then a couple of weeks later received a letter from the court saying they are defending the case?

[jacquij123]

Hi,

If they have paid the money surely there is no court case to defend. Did you cancel when you received the money?

[cfajones]

I didn't cancel the case. I didn't know I had to do that. How do I do this before it's too late?

[jacquij123]

Hi, I'm not an expert but I would think if you contact the court or MCOL and let them know that the money has been paid that should do it.

[cfajones]

Thanks, I contacted the court yesterday after reading your first post. I just need to write a letter for them to close the case. Nobody told me this before!

[dolly]

Thanks, I contacted the court yesterday after reading your first post. I just need to write a letter for them to close the case. Nobody told me this before!

 

With all due respect, you made your first post on this forum AFTER you had reclaimed your charges so nobody could tell to cancel your claim. On reading your post it would be assumed that you had done it.

 

And on the MCOL website in the help section I think it is, it does tell you what you need to do if you receive settlement.

[callumsgran]

Not being funny but i would've thought it common-sense to cancel! you started the action you got your money, its up to you to cancel it! were we having a little 'blonde' moment?

Dont worry it happens to the best of us!