Really hope someone can help me r.e bank transfer

[thecookiemonster]

Hi all,

 

I was on my lloyds tsb online banking and I accidentally transferred the money to an old nationwide account i haven't used for a couple of years and was £222 overdrawn.

 

I rang Lloyds straight away and they said there was nothing they could do and I should contact Nationwide.

 

I rang Nationwide and they said as it was £222 overdrawn it's now £78 in credit and they can't do nothing for me despite it being my holiday money for 3 weeks time which i've now lost and the fact it was an error.

 

I didn't type in the details it was an existing payee which i used once around 2 years ago i was meant to have deleted it from the payee list on Lloyds online banking.

 

I know i'm clutching at straws here but I'm desperate as I've just lost my holiday money, I was supposed to transfer it over to my Natwest account for safe keeping but accidentally clicked on the wrong account.

[thecookiemonster]

Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

[dx100uk]

unlawful as they are PENALTIES?

 

I don't think you can pull the benefits & charges

as you transferred it not they took it directly.

 

i'm wondering though if a bcobs complaint to nationwide might work.

[thecookiemonster]

Thanks for your reply, well no I have no money to live on, that money was from my disability money, I have contacted my MP who surprisingly replied late tonight within about half an hour of emailing him and he's said he will do his best to try and do something for me.

 

I will try the BCOBS thing though, I dread to think how many charges would have been applied over the past 2 years.

[Conniff]

Have you closed the Nationwide account ?

[Klandestine]

Oh and I forgot to add that i think the reason that account is overdrawn is that most of that money owed is all bank charges and

 

I have been on Jobseekers Allowance previously now Employment Support Allowance,

 

I have claimed benefits for the past 3 years so these bank charges from Nationwide aren't legal are they?

 

The fact that you were claiming benefits doesn't make the charges unlawful.

 

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

If the account was still overdrawn, the only route I could have seen working was if you were experiencing current financial difficulty and you asked Nationwide to positively assess your affordability.

 

holiday money for 3 weeks time

 

I have no money to live on

 

I'm a little bit confused by these two (seemingly) conflicting statements?

 

At the end of the day, it was your mistake and you may be short on some holiday money now but one positive result is that this debt has been paid off and you no longer need to worry about it.

[dx100uk]

 

The fact that you were claiming benefits doesn't make the charges unlawful. - under BCOBS it does

I'd also be weary of what dx100uk is saying about penalty charges being unlawful too. - any PENALTY charge is unlawful re FCA/FSA's own description

 

You'd be talking about court action and I can't say that I have seen any recent successful cases (although I haven't been actively looking for such information either).

 

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

[Klandestine]

that's show - there have been numerous BCOBS PENALTY charges successes - particularly say with Santander .

 

there are lots of others too

 

dx

 

BCOBS and penalty charges being unlawful are separate issues.

 

But anyway, under BCOBS how are bank charges unlawful if somebody is claiming benefits? And how would you go about arguing that in court?

 

Also where does the FCA suggest that penalty charges are unlawful?

 

That's very interesting information about these numerous successful cases though. Do you have any specific links dx? - it would be informative to me and I think really helpful for the OP.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?416512-Santander-Overdraft-Fees-charged-without-any-notice.-**REFUNDED-UNDER-BCOBS**

 

and the RBS case under the bcobs

 

and also martin3030 Santander thread

[thecookiemonster]

Hi all, just to let you know after my Local MP stepped in Nationwide refunded all the bank charges so that I was able to get my £300 back, this was after i received a letter a few days ago stating they would do nothing to help me so I don't know what my MP did but it worked.