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Have already sent a letter to nationwide regarding charges, but have just found this site. I want to reclaim £327.50 in Returned DD's on my account. Found this figure by checking through all my previous statements. So may miss out contacting them for details of charging and send the first letter asking for repayment. Am also worried as have my mortgage with Nationwide and not sure how this will affect me. Anyone withe any suggestions. Cant believe how many people are claiming money back and the sums involved. SCAREY!

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Hi Sweeney

The charges are Unlawful so you can claim them back. It should'nt affect your mortgage with them. It may affect an overdraft facility though, but that could be seen as retaliatory action, which is against the Banking Code. If you are worried about the bank account then a parachute account maybe worth getting.

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.


There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.


Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.


All the info to get you started is here:


There are more links below to assist you get around the site.


Good luck



Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions


Remember: The Ark was built by amateurs-The Titanic by professionals.


Please click my scales if you find my advice helpful !


If your claim is successful, please donate 5% so that it can continue to help others.


Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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I'm also after nationwide (amongst others)


They are reputed to be closing accounts - So open up a "parachute" account - any account that will let you go about your normal business and let them go ahead. You can find details of parachute accounts on Best credit cards, cheap mortgages, personal loans, savings accounts, house & car insurance - The Motley Fool UK


BTW I am also charging all my charges dd returns and Overdraft fees at their unauthorised overdraft rate of interest ie 24.9% AER - There is a principle of mutuality or reciprocityu that allows this (they took my money, I didnt authorise it - they charge me 24.9% if I ever go overdrawn - we are equal in the eyes of the law so i can do the same to them)


It seems ott but actually it simply increases the chance that they will back down cos if they lose it sets a worse precedent.


Bear in mind they are like buffalo tormented by mosquitos - they only need to try and win one case - but which mosquito :-?- so far they havent found one they think they can swat


good luck read up loads and loads


21/12/2006 SAR

Next Step 31/1/2007 - Prelim / S.A.R Enforcement


21/12/2006 SAR

13/1/2007 - Prelim

Next Step 27/1/2007 LBA


21/12/2006 SAR

Next Step 31/1/2007 -Prelim / SAR enforcement


20/12/2006 Prelim with Schedule and SI £640

5/1/2007 LBA with revised schedule CCR £867

Next Step 20/1/2007 CLAIM

PC World - Refund Faulty goods Preliminary Letter 13/01/2007 - Consumer rights are getting addictive


Don't get angry get even:D



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