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nationwide battle


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hi everyone due to our recent success with the halifax claiming back over £500 we have moved onto the nationwide, now ive heard this may be more difficult as they are more resistant?


anyway got all our statements and added the charges up and sent a letter requesting the money back, they have since replied with the following letter and not quite sure where to go from here as ther LBA states ' you have not replied'




thats the letter i received from them, so any opinions or is this a standard letter they send out?


has anyone been to court yet with nationwide?


is there a template letter i could send now to further my claim?



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This is same letter that I received from them earlier this year-I especially liked the phrase that basically said that if you feel that you cannot abide by the terms and conditions of the account then it may be apporpriate fior you to find alteranative banking arrangements-talk about treating their customers with respect.


I am in the process of claiming back just over £600 via MCOL and am just waiting for them to either pay up or lodge a defence.


There are various template letters on this site that you can use to further your claim and I wish you luck



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hi there

i recieved a letter very simular to this one. after asking advice as you have i was reassured that it was a general fob off, i have sent off LBA and i am now counting down the 14 days..

so my advice to you would be keep going, dont take any notice.. send your LBA and take a step closer to getting whats rightfully yours!!

good luck and keep us posted. :)


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ok just a quick one im about to reply to this with the LBA but in the wording it says that they have not responded but they have , do we change the wording on this or just send a standard letter as a matter of course?



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Iwould not strictly count the reply that you have had as a response-it is more of a 'another request for repayment received-send them the standard fob off letter'


It does not answer any questions and as such I would just send the letter as matter of course.



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ok having look at the 2nd letter we sent we did not put the claim in for overdfart interest, now this is the letter we used for halifax as well , with success, now im getting confused that i may have missed something here is a copy of the 2nd letter we sent:







Request for repayment of charges


Dear Sir/Madam,



My request

I am writing to ask you to refund to me the charges which you have levied from my account since opening it.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.


Your responsibilites

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.


What I require

I calculate that you have taken a total of £xxxx, additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity’s caused directly by you taking penalty charges which you had applied unlawfully to my account.


In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.


My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.


I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.


If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.


After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.


Yours faithfully,








now , where the hell did we get this letter from as i cant remember ....lol


and i take it we can just claim for the total amount already submitted and not total PLUS overdraft interest??


thanks for your help


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all letters are in the template library



You can add the overdraft interest in the prelim and LBA letters if you want to, but some people don't bother because its a small amount. The big interest comes with the 8%, and you don't include this in the letters - only with filing at court.:D


You talk about removing a default. Don't include this unless you have a default that was for less on the day of the default than the total unlawful charges added before that date.:x



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