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Nationwide Dilema! I Need Help and Advice


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Good Morning,

I am in a bit of a situation with Nationwide Building Society.

My Flex Account was recently closed due to the fact that I had gone above my over draft limit (£3000 plus) I have asked Nationwide not to close the account as I intended to continue to us the account as my salary is paid there every month. Anyway, they still went ahead and closed it. So i decided to appeal agisnt this as I had promised to bring the amount below my agreed overdraft limit. I also gave them a date that this would be done, which was the 31st of July, but somehow they thought it was the 27th july. I dont get paid till the 31st, anyway my salary did not go through due to wrong account details, but later went through on the 2nd of August. By this time Nationwide had decided to close the flex account. So far I have written to nationdwide regarding the situation and also attached a later from my Employer explaining the situation. I was adviced by Nationwide to write with the letter (from my employer) attached.

I got a call from NAtionwide on the 22nd of August telling me that they would not be re-opening the account that I must pay back the full amount. So I asked them to put it in writing as they had asked me to write them previously. The least I could expect back from Nationwide was a letter explaining their reason after I had appealed and given them proof of letter from my employer. They were so rude to me on the phone so I asked if the conversation was recorded, they said NO. So I told them that I can not aggree to any terms regarding repayment, unless its on paper and they need to explain to me their reason for making that decission for closing my account, after all, I never recieved any letter regarding the closue of my account.

I have now decided that I will go after nationwide regading all the excessive charges that they have charged me in the past 6 years.

All I need now is Advice wether to proceed or not.

ANY ADVICE WOULD BE GREAT Appreciated...

Please do excuse the spelling errors...

 

Mo Lucas

Total Amount owed to Nationwide £3653.

Paid back £453. Current balance £3,200 over Drawn.

 

PS

Nationwide has decided to Freeze all my account with them until I agree to make payments for the above amount. They have really messed up my life and do not know what to do. Please advice

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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Definitely claim back all the unlawful penalty charges - you will probably find they add up to at least the £3K of your overdraft, and more than likely will be more than this. As for account closure - it is better to focus your energies on something that has been proven to get results. You can deal with account closure in the future if you feel it is worth it. Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Claim them back. All of them.

 

Any idea how much, as a general figure, you could be looking at? It could well clear the outstanding overdraft with them.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I have just writing the first letter demanding all the charges for the past six years to 1st september 2006. Should I post it to them or take it to the branch and then hand it to them? which is better?

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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I don't think it makes any difference, but if you post it, make sure it goes recorded delivery, and if you take it in by hand, make sure you get a receipt, including the name of the staff member you give it to and that it states it is a letter asking for return of your charges.

 

Be reassured you will get your money back, don't be put off by their delaying tactics.

 

There will always be somebody here to help you.

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And make sure you enclose the £10 fee!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks fr the avice people.

I went to the Branch this morning just before 12 noon, but was told that they were closing and that know one would be able to assist me.

I will have to post it to them by Recorded delivery on Monday.

Another thing that happened recently was that they decided to Freeze all my Nationwide account including my Cahsbuilder which had £130 of my money in it.

The Debt recovery department would not write me a letter explaining why they have decided to close my account. But they are willing for me to make a verbal aggreement over the phone without the conversation being recorded. They think am a fool.

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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one more thing, It has just crosed my mind that I once had a Credit Card with NAtionwide a fews years ago. Although I stopped that account a few years ago (2003) Can I ask them to give me the details of that account and also demand my interest charges aswell?

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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one more thing, It has just crosed my mind that I once had a Credit Card with NAtionwide a fews years ago. Although I stopped that account a few years ago (2003) Can I ask them to give me the details of that account and also demand my interest charges aswell?

 

Yes they can - you *should* be able to get details of that on your DPA, quote both account numbers.

 

As for them freezing your cashbuilder, it appears common that they allocate funds from other accounts if one is overdrawn...I am sure it is in a T&C somewhere. Not right, I know. :(

 

If you use online banking I believe you can see your statements for the past few years online so you might get some idea of your charges.

 

If the Debt Recovery department contact you again, tell them that the account is in dispute and you will not be making any more payments until it is resolved.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Dolly, you are an Angel..thanks a Lot for the Advice...

I am unable to see both accounts when I log on to Internet banking.

So I am unable to view my past statements. I guess I will have to wait for that 40 day period from Monday.

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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If you make a Full Disclosure Subject Access Request they are legally obliged to provide you with EVERY piece of information they hold on you that is relevant to you. To speed this up it would be sensible to ask for details for each account number, but as the request is from you as a Data Subject, then it should cover all accounts you hold with them anyway.

 

Also to bear in mind - there is no six-year limitation period on providing the data. If they hold anything at all on you they MUST provide it. The likelihood is that they will say all data older than six years has been destroyed, and this in itself is a processing of your personal data - as such they should provide details of that destruction, with dates as well.

 

The reality is that you will get six-years worth of statements, or copies of statements, very few notes indeed and probably nothing else.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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But what about the Nationwide Credit card account I had with them a few years ago? I have sent them an email through Internet banking asking them to give me the Credit card account number I had with them a few years back. I hope they will comply.

Anyway, thanks for the advice. Can't wait till tomorrow morning!!!

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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SAR Letter sent today to The Data Controller, Nationwide House, in Swindon (I think) giving them 40 days to respond, also attached £10 Postal order. Lets see what they will do now. Am ready to play ball with them now, so "Let the War Begin"

 

Moluc

Nationwide: SAR Letter Sent 05/09/2006

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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Checked with royal mail if letter has been recieved/signed for? YES it has.

Now they have 38 days left.

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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LOL - 38 days until you can start the claim timetable...good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Nationwide has written to me acknowledging my mail which they reicieved on Thursday the 7th of September.

I was informed that I will recieved shortly, my bank transactions details for the past six years nad before then.

They have 40 days to do this, by law.

 

Hmmm.... 35 days to go.

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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  • 2 weeks later...

At Last, I have recieved today all the statement going back as for as Feb 2000.

I have added all the charges (Interest, Overdraft, cheque fees and so on) all totaling #2525.46p. Now what do I do?

I cant believe this Moderator Note: EDITED due to libelous wording. have actually ran me down for the past 6 years.

Advice please anyone!!!

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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People,

 

whats my next move now? Please Advice.

 

can anyone tell me, do I add the un authorised Overdraft Fee seperately from the Chequ missuse fee or should I just add everything together plus the interest.

Please advice....PLEASE!!!

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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Add everything together, fill in the spreadsheet and send the first letter. Only unauthorised OD interest though.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Dolly, what about the Card Misuse fees? and the Unauthorised Over Draft charge itself. Do I have to dd them too?

OR, am I right to add up only all the OD charges leaving out the Card missuse fees etc.???

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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Dolly,

Where do I find this Excel Spreadsheets?

and after I fill in only the Interest on OD charges, can I add Cheque miss use fees aswell?

Thanks

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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Do I send the letter to Data Protection team or is there someone else I should send it to?

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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I have also noticed that NAtionwide took £100 from my Cashbuilder account without my consent. do I charge them compund interest on this?

Moluc

S.A.R - (Subject Access Request) Letter sent to Nationwide 5th/09/06

Statement Recieved 20th/09/06

 

 

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