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Mikeyboy v Nationwide


Mikeyboy99
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HELP! PLEASE!

 

Im not one to believe in coincidence, 7 days after my prelim was sent, Nationwide have today frozen my account. Its payday for both me and my wife and they have completely shafted us. We owe them £2500 on a different account, and they say its because of this, and they wont allow access to our money unless we pay the £2.5k.

 

Can they legally do this??

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No notice whatsoever, first I knew was when my card was retained this morning. I have been in correspondence with them, but they are now denying speaking to me or receiving letters - even though I have exact dates and times of conversations, plus I e-mail them copies of letters and I have the replies acknowledging receipt.

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Are you claiming charges for the other account, the one that you owe £2.5k on...in other words, is that account in dispute?

 

Edited: just read your previous posts - have you sent the prelim letter against both accounts or just this one that they have placed on stop?

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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Absolute b******s. I have spent all day trying to reason with them i.e I really do need to pay my mortgage, and it would be nice to eat occasionally between now and Christmas, but to no avail. They very kindly said either I agree to them taking £1900 today, or they would freeze the account for a further 14 days and then take it anyway!

 

Thanks Nationwide.

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Did you allow them to take the money yesterday?

I thought they had issued a CCJ for the 2.5k? Did you defend that?

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 had no choice but to let them, they absolutely refused to negotiate. They have my money and are refusing to part with it, even though I don't now owe them a single penny, they are denying me access to the funds in the account. I should probably be charging them, and adding interest!!

 

I may have misled you over the summons, they didn't actually issue it, just threatened to, and I really believed it was going to be their next step - I was just trying to prepare myself.

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Just to add insult to injury, and I know this might not really be relevant but writing it down helps get it off my chest, Nationwide have now unfrozen my account having taken their pound of flesh - which is nice. So I asked very nicely in the branch to withdraw some money, seeing as though my card was retained yesterday, to be told not without a driving licence or passport as identification!

 

They are surely having a laugh. Without identification yesterday, I was able to sit in the branch discussing my account for over 2 hours. Without identification I was also able to cancel all my direct debits and standing orders - something I had to do because they were all going to bounce today, and no doubt I would have been charged £30 a time for the pleasure! AAAAAAARRRRRGGGHHHHHH!

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