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Hi all


I joined this fantastic site a while ago, to claim my charges back against Nationwide (from an old, closed account)


The first step was easy, I got my statements through quite quickly and sent off the prelim letter with spreadsheet two weeks ago


This morning I have recieved a standard letter back from the 'customer experience team' saying that feedback is invaluable blah blah but they will not refund the charges as they only do this in 'exceptional circumstances'




Do I now continue with the next step?

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Hi Mr & Mrs L


Yes, stick to the outlined time frames as metioned all over this site;


Send Prelim...wait 14 days from day they received it......Send LBA.....wait 14 days from the day they received it.....then file for court action either at your local court or via MCol.


Don't fel threatened by the banks. You will receive a couple of letters but they are pretty bog standard and we have all received them at similar stages.


Keep reading through other threads on this site to see what other experiences people have gone through, a definatley use the templates in the template section....they are invaluable!!


Best of luck and keep us all posted.

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Yes send the LBA






I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Wow, thanks for your quick replies!


I have read everything related to what to do next (I think!) and would be really grateful if anyone could confirm that it is this letter that I send next http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html


And I assume to the address on the letter they have sent to me?


Much appreciated

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