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    • Welcome to the real world. What year of university are you in? What university? And what are you studying? What is the name of the agent? And what is the name of the landlord? The business of holding deposits should be affected by the Consumer Rights Act 2015 and that means that they should be subject to terms relating to fairness. It seems to me that if you pull out of an agreement to take the property then the agent or landlord should only be entitled to hold on to sufficient funds to cover any administrative losses which they have suffered as a result of your change of decision. In practice many agents will simply take the opportunity to cream off a bit of extra profit. I suppose you just paid the money over without any kind of written agreement or recording or any evidence. Certainly, if you paid over a holding deposit on the basis of a particular contractual promise – that there would be a break clause and then subsequently there was no break clause then it would be a simple matter to argue that it was the agent of the landlord who had gone into the breach of contract in which case you would be entitled to recover all of your money. However do you have evidence of this? Similarly, if you pay the holding deposit and were only told afterwards that it was not refundable then it is arguable – although not cut and dried – that they had introduced a new term into an existing contract and so once again, you would be entitled to recover all of your money. However, once again – do you have any evidence of this? It will be interesting to know whether the agent is acting of their own initiative here or whether they are really exercising the will of the landlord. Please address the questions which I've put above
    • The house was sold in 2015. What’s Ll/BB. Can any one just say what I need to do. Or what I can do. Are Lowell in there rights to claim and therefore I’m liable for paying back the debt. Even though they can’t prove a contract to me in my name. Many thanks 
    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
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Visa Dispute on a closed account issue

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I had an account with Nationwide about 4 months ago,

at the time I had an issue with a company taking funds without permission


I contacted the bank which in turn refunded the two payments back to my account.

A short while went by I thought this was the end of the issue with the company in question.

I ended up closing my account to move to another bank which were offering a good switch to us deal therefore I did.


Move forward to now,

I've received a letter from Nationwide asking me to pay back funds of £500 as the company which I had the dispute with provided evidence to indicate the transactions were of my own, therefore they've requested me to pay back the funds into an account of which they've provided on the letter, this letter has come from the 'Payment Processing Controls'.


I've tried telling Nationwide I did not give the company permission to take funds,

the evidence the company provided were that of my details that were provided to them when I created an account with them,

I told Nationwide I had an account with them however I still did not give them permission to take money from my card,

they've simply told me I would have to take this up with the company now as there's nothing else they can do.


I don't have the funds at the moment to be pay the money back they're asking for, I firmly still believe I do not owe this money back.


I've checked my Credit Report which also shows the account as closed and satisfied.

I did speak to the Visa Disputes Team who told me there's nothing they could do to get the funds back as the account is closed,

the member of staff words being "we don't have a leg to stand on".

However someone somewhere within the bank is clearly trying to retrieve this money.


Where do I stand?

Can Nationwide legally chase me for this money?

Edited by d54

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what was the dispute transactions.


if you gave them your card number

the funds were probably taken by Continuous Payment Authority





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