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    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
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    • Many thanks for this alternative advice tomtom   Andy
    • You can do it now. I have saved evidence that it was their mistake, so even if the letters arrive it won't come to nothing
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
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      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) 
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    • 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/
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    • 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.
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      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Dustycrophopper

Nationwide Overdraft Withdrawl

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Hello

 

I received a letter today from Nationwide telling me they are no longer able to offer me an overdraft. To be honest I've half been expecting this for a while as I have been at the max for quite some time and have just been putting in enough money to cover the fees for the account.

 

What is the best step to take as I cannot afford to pay the full £3200 in the next 27 days as they are requesting. They have put in the letter I can call to talk about my options.

 

Thanks

 

DC

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Well open a parachute account with another bank and move salary etc over there.

Also talk to them as they may beable to do a monthly decreasing limit. They will decrease by say £50 a month until @ 0

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Its been around 18 months since I've used the account, it's just been being maintained at the max of O/D since then

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Do you pay any income diectly to them?


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No, the only transactions on the account for quite some time have be the packaged bank account fee and the arranged overdraft fee. I have then been transferring from another account the sum of these fees.

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So you are paying them off?

You do know PA fees can be reclaimed?


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Currently PA fee is £13 and OD fees are 15.50 per month. I transfer 28.50 into nationwide to cover these fees. No actual repayment is being made on the rest of the balance.

 

I was thinking about trying to reclaim the fees but i cannot remember the circumstances of taking out the PA and i have used the features.

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God how long have you been doing this?

 

Stop paying

Send them a free sar get the info you need

Why did they say you had to have PAF?

 

How old is this a/c?


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Too long DX,

 

I'll get the SAR ready and sent. The account was opened with nationwide in 2011, I took the PA with the overdraft which was around Feb 2014. I stopped using the account 18 months ago and have been paying the 28.50 since

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Have you asked if Nationwide to change you to the flexdirect account?

If you have money to pay it back then they it could allow you to repay minus fees for 12 months and prevent a default if you cant pay - Itll protect your credit file.

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Last week I tried to downgrade to the normal Flex account online so I could save on the fees, but was told I was ineligible

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Sorry the Flexdirect is what I tried to change to but was ineligible

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I spoke with the Nationwide collections department today, they want me to complete an income and expenditure form so a payment plan can be set up, they will not freeze the interest or remove the fees unless i change accounts. If i did the interest would be double what I am paying now.

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