Nationwide (KPR)

[Ubiquitious]

I have a basic Nationwide Flex Account from when I was a very young and the address is still at my parents.

 

It only has a basic cash card and no overdraft. A year ago I set up a direct debit to the account as a very temporary measure for TV license. Later I moved this over to my main natwest account and forgot about it.

 

Anyway it seems I didnt originally move the DD quickly enough as the bank charged me as there wasnt the funds for it. Visiting parents a few weeks ago I openned an odd letter that wasnt the usual nationwide statement but was from KPR (which as far as I can tell are Nationwides in house collecters). I owe £330 made up entirely of charges from the one missed DD and months of unathorised overdraft. After calling nationwide they all orginally stemmed from the one missed DD.

 

I cannot afford to pay £330. Is it possible for me to claim these charges back?

[Ubiquitious]

Bump

[harrassed senior]

Yes you certainly can.

 

If you type "Reclaiming Bank Charges" in the search bar above this forum this will take you to where you will find all the information you need. Good Luck.

[jed52]

Hi Ub, am I missing something here? How can you reclaim charges when you haven't paid any?

I had exactly the same problem with Natwest a couple of years ago. I wrote them a letter explaining my mistake at forgetting to cancel the dd and told them I wouldn't pay them a penny because it was their charges that made the account go overdrawn in the first place.

Not heard a thing since.

jed

[Ubiquitious]

Thank you Jed.

 

I will try that approach first then if that fails I will take the reclaiming route.