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    • Difficult to say however you can most certainly attempt a chargeback with Nationwide.  Call 01793657689 and it should put you through to phone banking. They may reject the chargeback which is completely in their rights to do so.  You've spent the money on this so its not exactly unauthorised but at the same time - Paypal and Nationwide should have failsafes in place to stop this.    IF you are finding it difficult - Can I suggest Monzo as an alternative if things go south with Nationwide? I am with them full time - I dont gamble but i think it could be beneficial in your case - It will also give you a backup account if you need it   https://monzo.com/blog/2018/06/19/gambling-block-self-exclusion/
    • Turbo failure on a tdi with 100k miles. Starts sounding more like "common". I've had VW all my life and if looked after they'll go forever, but then maybe i've been lucky. Don't know if you can claim a new turbo from dealer, surely that would make him a loss on a 10 yo car which in market terms is an old banger.
    • No they do not have my card details. I paid by American Express   There are no pre hire photos
    • The mortgage (what there was of it) was  paid off a few years ago ( by massively overpaying each month and going without holidays, evenings out, fun etc) and the house is in my name.   I shall look into universal credit but was always told, by him, that as I was a 'director' of the company and being 'paid' ... ie the money for the household  bills ... I would not be able to claim unemployment.   I have however applied for reduced council tax ... I did this a week or so after he left and all I have heard so far was a request for his forwarding address, which I have supplied. Since I applied I have paid one months full council tax ... Do they backdate your claim and take any overpayments (in my case almost £50 per month) off an amended bill?   Thank you for replying, I feel incredibly isolated and alone at the moment.
    • Unless their policy is just to run the clock out and not ask for an extension again. I'd not be surprised, if a new PM completely ignored parliament and the 48 per cent who voted remain, just to hold their party together
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
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I have an ongoing (and possibly never ending) complaint with RBS at the moment over a Loanguard policy. As I was told you had to take out the PPI to get the loan, I have a complaint at FOS looking to get the PPI refunded plus interest.


As an aside to this, RBS said I could cancel the policy by visiting a branch. Something which the branch managed to mess up and RBS acutally admitted to.


To give some background, my loan agreement shows my loan repayment is broken down to £241 for the loan, £61 for PPI. So each month I pay £302. When my PPI policy was cancelled, I expected my loan payments would then be around £241 - as there is no PPI and the figure quoted for the loan on its own was £241.


They have now said, with my PPI cancelled, my loan repayments will now be £291 a month!!!


When I challenged the complaint handler, she said the figures on my actual loan agreement were just estimates and the amount I actually paid towards PPI each month were actually estimates because at the start of the loan more than £61 would have went towards PPI.


This is not noted anywhere on what little information they gave me on the loan agreement and since they gave me absolutely no info about the PPI itself, I was fuming. I also asked how they could quote very exact figures on the loan agreement, and then turn around and say they are actually just guess work.


Do I have any grounds to challenge the original loan agreement if this is the case? It feels wrong that they can set out your premiums at the start of the loan and then turn around almost five years later and say 'well actually...'.


They way the loan is now, I have no insurance (not that it was any good anyway!) but still going to be paying more than £50 over what the loan agreement quoted for the actual loan repayments.


I am so confused and after almost a year so far of RBS dragging their heals and generally doing anything they can to mess up my accounts, I don't trust anything they come away with.



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Welcome to CAG!!


I think you need to obtain all documentation relating to the loan including the loan agreement and details of the PPI policy.


Use a SAR to otain this information.


I think you may be better investigating mis selling of the PPI and reclaiming all premiums on that with interest. Have a look on the PPI forum. Here is a link. http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-(PPI)


Why not start a thread there and good luck!

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.


Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-




Register with CAG today, its free, its a great community:







Thankyou Kennythecelt:)

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Any updates on this one?

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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