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    • Giffgaff works on O2's network.   If there was a mast down then O2 would have been down too (though O2's customer services may have handled things differently.....   In my experience though, giffgaff's C/S is way better than O2's ......... (Might the issue may have been O2 telling giffgaff the mast wasn't down, when it was?)
    • I am on o2 pay as you go and have been for years, never had a problem, I only have a basic phone with no camera or internet, costs me £5 a month lol, also get rewards every 3 months
    • Use the cerdit for a goodybag, put off moving for a month ... think of it as getting a month's worth out of giffgaff that you otherwise wouldn't have?
    • I'm definitely looking for monthly only. Giffgaff has been great, but recently a mast was broken in my area and they spent over two weeks telling me there was nothing wrong and eventually agreed that there was. Although mast seems now to have been repaired, I wasn't happy about the way they dealt with it. That doesn't mean that other companies aren't exactly the same but I checked and Lebara has got just as good coverage in my area also has 5G whereas the O2 5G coverage is very poor. Also free international calls is pretty attractive but I have to say that I do feel a bit concerned about making the jump. Also I've got about 13 quid locked up in credit which apparently they simply keep if you leave them and I can't see any way to transfer to some other account
    • I haven't, (moved giffgaff to Lebara)  but can offer some points to consider (and that those who have moved can comment on .....)   Firstly, does O2 (Giffgaff) cover where you need your phone most? Does Vodafone (Lebara)?. No network will cover everywhere you MIGHT need to use it, but you can check for where you know you'll use it most : No point in having a magnificent and cheaper inclusive package if it doesn't work where you need it most ......   Secondly,. how good is Lebara's customer service?. Much of giffgaff's CS is provided by giffgaff's users, but is does lead to a good knowledge base, and giffgaff has an excellent reputation for customer service (I know you already know to keep e-mail trails and recording of calls, but it is way better to not have to get into that level of discussion if they'll instead sort any issues ab initio).   Thirdly, are you looking for a 30-day rolling contract or a longer SIM-only deal? you'll likely get better value with a SIM-only, but are 'locked in' to a minimum term. (is where you'll need it most likely to change within the minimum term? if so, 30-day rolling may be a better option than a 12-month or longer SIM-only).   Are any network features a) essential? b) desirable. I'm thinking  of features such as call diversion, 3-way calling, and wi-fi calling...... (not that these may be available on either of giffgaff or lebara - I'd have to check) For example .... Voxi doesn't do call diversion, and many of the features are available on the host network but not the MNVO's, but knowing what features are essential and if any are desirable might be the deciding factor all else being equal.   Then (and probably only then): what sort of package are you looking for? Calls? texts? data?? International calling? (to international? from abroad??). Video streaming? Music streaming?? Cost is a major factor, but a cheaper deal that doesn't meet your needs re: coverage, features and customer service can turn out to be false economy. If you do masses of streaming, then Voxi (also on Voda's network) might be a good option over Lebara if it is Voda's network that is your prime motivation for moving.
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Another Win - Cuddles v Nationwdie


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do you think its easier (or quicker)doing it this way rather than the other route? i had all my statements ,so have today sent a prelim letter,i have been "declined" an account at tsb,bcoz of my credit history so feel really under pressure in case n/wide close my account.im owed £1600 over 3 years but have a £1000 overdraft so im hoping(and a lil praying)that i win but its only day one and my nerves are frazzled.


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Hi Chrisk7. It was because of the delaying and bullying tacticts that NW were using with me that I held off filing my claim and chose to go the FOS route. Having phoned them today to check they had received my complaint I am now expecting to hear from NW in the very near future and hopefully I will soon have my money back. I will post progress reports as I get them on the thread I started today. GOOD LUCK


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  • 2 weeks later...


I've just commenced a complaint with the FOS against Nationwide, basically that they owe me over 11,500 according to my spreadsheet. I was on the stage of sending an LBA but opted for the FOS route, provided I made a proper complaint rather than just saying I wanted my money back.

I was wary that the FOS may be deluged by the whole bank charges groundswell, and possibly that they would try to discourage folk unless they had a complaint other than the stock 'I want them back' one - i.e. if there were obvious failings from NW.

So, I wrote several reasons why NW failed me - lack of response, losing letters, non-compliance sending statements, missing info, deliberate timewasting etc. Also added they ignored my 'goodwill' gesture of a set sum inr eturn for quick settlement. Finally, stated I had no faith NW would act competently or in good faith to resolve. Also wrote a cute letter to NW and enclosed that, telling them I was faced with no action but follow FOS route. Demanded payment in 7 days of the full sum, or 14 days of the contractual interest sum.

FOS have acted very swift - 4 working days from initial conversation, including return of their form, to processing 7 contacting NW - let's just hope NW do the right thing too!

Cheers tricky for bringing my attention to this

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