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By-Tor Vs Snow Dog (Nationwide)


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Hi,

 

This is my first post on CAG, although, I have been reading up from here and Moneysavingexpert.com for a few weeks now. In case anyone is interested, I am reclaiming from:

 

Nationwide - £3340

Nationwide - £2969 (on behalf of my wife)

Capital One - £309

 

So far, I have sent the first letter for all three accounts. Unsurprisingly, Nationwide have refused saying their charges are fair (blah, blah, blah), and Capital One have refunded £112.00.

 

Due to amounts that we're claiming, and the fact that we live in Scotland, I have sent the forms away to the FOS, with all relevant correspondence. I'll see what response I receive in due course, but I won't hold my breath. If I'm not satisfied then I will raise court action. I did it in this order, as if you approach the court first, you can't then go through the FOS (or so they say). Incidentally, since I sent my initial letter to the Nationwide, they have downgraded my Flexaccount to a No Withdrawal account, as I went over my overdraft limit by £11! Coincidence or not? If I need to withdraw money, I have to phone them to get them to authorise it, then go into a branch, which is a complete pain in the 'arris. I was initially worried when I started this that they may close my account, but now, I'm not bothered, as they have effectively removed my ability to run my account anyway. Fortunately, my wife still has her account, so we're using her account as our main account now.

 

I will pursue Capital One for the difference in my claim with them, I was going to let it lie, then I thought, "Sod it, they would hound me for £190-odd, so I'm not letting them away with it".

 

I'll let you know how I get on.

 

TTFN

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