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trickyt v nationwide


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Hi everyone. I am afraid I have been a little remiss is not posting my own

thread before now; probably because my head has been spinning after dealing with Nationwide for so long. Anyway here goes. First off I would like to say thanks for all the wonderful advice posted on this forum. I started trying to sort out my problems myself by contacting Nationwides

complaints department in January. I then got on the Martin Lewis website

and downloaded template letters from there to start the tried and tested procedure. I also got onto this forum for further information and templates. I had followed the whole procedure up until last week when I had filled in my court claim and was about to check through one more time

before filing. Ironically the court fees came to £120 which I couldn't pay

without going overdrawn again so I had to borrow the money to take NW to court. While that was being arranged I found a new thread on here.

'Another Win-Cuddles v Nationwide'. It made fascinating reading and I recommend it to anyone who has got to the prelim. or LBA stage. He had got fed up with the way he was being treated by NW and went to the Financial Ombudsman. He got a quick response from the NW and they had changed their tune. So I thought why not? On Thurs. I downloaded the claim form; filled it in online; printed it off and sent it the same day along with relevant correspondence between self and NW and also stated that I

had held off filing my claim in court as I was aware that NW were just

needlessly holding up the process with no intention of going to court. I have just rung the FOS and spoken to a very nice man called David who

explained that they had received my complaint; issued me with a ref.no.

and told me that he expected to see it actioned in 7-10 days if not before. I now wait to see what happens in my case and will keep you all informed. I saved myself the £120 court fee and according to a post on Cuddles thread NW get fined £500 when the FOS complain on your behalf.

It has got to be worth looking into for anyone who had reached the stage I was in and to all those as frustrated by NW as I was. Good Luck All.


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Hi Trickyt


Thank you for the reassurance you gave me on my thread its great the way everyone is pulling together on this site.:-)


Your thread is of interest to me and I am thinking that might be the best way for me to go too.


I am subscribing to your thread so we can give each other moral support.


Keep me posted and thanks again.


Speedy :-)

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Just to give everyone a quick update. I have become aware that a number of people have tried to contact me in relation to posts I have made on a number of threads recently but as I hadn't opened my own thread until today I have not been receiving them here. Also I have been having difficulty getting onto the web via my IPS. I suspect that this could be because they haven't received payment via NW D/D as I was getting close to O/D point though I keep trying to keep in the black weekly. I went well into the black in January but as I had to pay off unpaid bills; money lent to me by family and friends and fight off a couple of court actions due to NW's actions most of this has now gone and as NW had said they would close my account when it reached ZERO I believe this is what they are attempting to do. This is the reason I took the FOS route at the last minute as I am confident the FOS will launch a full investigation into my complaints. To those I hadn't contacted; I apologise.

Hopefully now I have opened this thread I will be able to keep in touch more effectively.



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Just sit tight, now, and wait for ther FOS to do the business.


Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.


Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.


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Hi Rooster. Thanks for the quick response. I will keep updating as I hear more and from what I have learnt elsewhere it doesn't usually take too long once the FOS decides to act on a complaint.

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  • 2 weeks later...


Hey Tricky

Sorry to hear of your techno problems, hope they get sorted soon.

Thanks to your advice & inspiration, I decided to explore the FOS option, but only after writing a letter to Nationwide (will copy & paste it on my thread


making some demands for repayment, one for costs 'as is' within 7 days & then costs for contractual interest if repayed within 14 days.


Working on rationale that now FOS are involved (even including the initial discussion & return of post for me signing their form, they've processed my complaint & contacted NW within 4 working days), NW may play ball rather than ass about going through courts.


Will keep you posted of progress

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  • 1 month later...

Time I posted an update. The FOS sent me a letter informing me that the Nationwide did not accept liability; that their charges were not unlawful or unfair but rather than have a formal investigation by the FOS they have offered to repay ALL the charges I was claiming back + 8% interest. I was told that if I wished to accept this I should sign a form and I would receive this payment in up to six weeks. I contacted the FOS several times after this offer was made as their was more to my complaint than just the charges and I could not see why it should take up to six weeks to get MY money back. Soon after receiving the offer I saw that Nationwide had been named in the High Court test case and with the rest of the pack announced that they would not be paying out on any more claims until the outcome of the test case is announced. The FOS sent me a detailed response and again asked if I wished to accept the offer so I have signed the form and will have to see if/when I finally get back my money. I had asked for all correspondence from the Nationwide back as I reserved the right to use this in any further action but I have not yet received this. I also asked the FOS if the Nationwide would also stop levying their charges

until the outcome of the case is announced. They didn't answer that!

I will post any further developments as and when they arise.

Cheers and good luck in your actions


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