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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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We are now recommending that Scottish claims over £750 are put through the FOS, as the Scottish courts have put the block on some second and subsequent claims on the same account where the claims have been split to keep in the small claims.

You should be OK with the FOS but due to high numbers of claims, it may take a little time.

 

Good luck.

Regards, Rooster.

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Dear By-Tor

 

I read your thread with interest, because I'm going for both Nationwhine and Crap One at present.

 

Nationwide seem to have stopped closing accounts in recent weeks, but I've not read of a downgrading before now. Given that people have sucessfully complained to the FOS about the account closures from various banks, I wonder if you should report this to them?

 

I also wanted to comment on your incorrect use of rhyming slang, which could confuse some readers.:confused:

 

You said "complete pain in the 'arris", when you should have said "complete pain in the khyber", (from Khyber Pass).

 

Aris is quite different, from Aristotle/bottle, as follows.

"Reclaim his bank charges by taking them to court - he hasn't got the aris!":lol:

"Champagne? moi? When I get my charges back I'm gonna drink the whole bloody aris!":lol:

 

I hope you don't mind me pointing this out, but as I'm getting into practice for my litigation against these people, I like to get the facts absolutely spot on! ;)

 

Varangian Guard

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  • 1 month later...

Further to my earlier post, I've just returned from holiday to discover two letters from Nationwide offering to repay all charges from May 2001 on both my account and my wife's account.:D:D:D:D:D

 

My refund: £3701.50

My wife's refund £3682.50

 

I expected to wait for months before getting any joy from the FOS, but the whole process from initial letter to Nationwide to completion has only taken ten weeks.

 

Needless to say the accepted offer letters have been signed and returned today. This has saved me the hassle of going through the courts, especially as I'm in Scotland and due to the amounts, I was expecting to have to raise a claim in the English court system.

 

Seems like the Financial Ombudsman Service may be the route to go down if you don't fancy a court battle, it certainly worked for me!!!!!!;)

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Dear By-Tor

 

 

I also wanted to comment on your incorrect use of rhyming slang, which could confuse some readers.:confused:

 

You said "complete pain in the 'arris", when you should have said "complete pain in the khyber", (from Khyber Pass).

 

Aris is quite different, from Aristotle/bottle, as follows.

"Reclaim his bank charges by taking them to court - he hasn't got the aris!":lol:

"Champagne? moi? When I get my charges back I'm gonna drink the whole bloody aris!":lol:

 

I hope you don't mind me pointing this out, but as I'm getting into practice for my litigation against these people, I like to get the facts absolutely spot on! ;)

 

Varangian Guard

 

 

Thanks for your comments Varangian, but I wasn't using rhyming slang, I just didn't want to type 'arse', as this is a family show. The 'arris I was referring to was the island of Harris (as in tweed). Aristotle hasn't got anything to do with it.

 

Anyway, thanks for your concern, but since we've just been refunded £7500, I don't give a toss.:smile::smile::smile:

 

Slainte!

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I am a Kentish lass, grandparents from Whitechapel and Holborn London and we commonly use the term 'sitting on yr arris' meaning bum/bottom. Might not be Cockney rhymning slang but I knew what you meant By -Tor!!!!

Jane

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