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Collett vs Nationwide

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Hi all - I'm new to this site, and after many months of thinking about it, I've decided to take action. :)


Have always been up-front with my bank. Always contacted them if I felt there may be a problem (ie. gone over overdraft limit, not sufficient funds for DD, etc). Sometimes, they have refunded fees levied, but most of the time has used the catch-all excuse of me 'breaching the original conditions when I opened the account' blurb. :rolleyes:


The icing on the cake was when my son's father passed away suddenly in February of this year. The maintenance I received monthly from him obviously didn't go into my account in March onwards, and this created a shortfall on my account, and subsequently I started to sink in the mire of fees for exceeding o/d limit and bounced DDs. I wrote to them, asking that they help me out - ie. open another account so I could live day by day and pay back the amount, and for them to freeze interest and to stop the excessive fees, which were spiralling out of control. Of course, they refused. :???:


So now, here I am (sorry for the ramble!!) and I'm now determined that they will not get away with this! I'm someone who is quite pragmatic when it comes to being charged. I took the view that if I went over my limit, or lived beyond my means, that I 'deserved' to have to pay a fee for it. But now, in light of, a) the fact that even when I am up-front and ask for help and not bury my head in the sand makes no difference to them helping, and b) in light of the recent up-roar over customers paying over the odds for these fees, enough is enough :mad:


So - I've now used the S.A.R - (Subject Access Request) template, and found the right address, and will be sending it off in the post today (gulp). I've 'gee'd myself up by reading up everything I can on this site, and the success stories are phenomenal. Power to you guys!!!! There's still a little seed of doubt inside of me, however. I guess I don't generally feel very lucky and the paranoid little seed is saying that if someone's gonna fail, it's gonna be me!!! (I know, highly irrational, but there you go!) :grin:


Anyhoooo...that's me in a (rambling) nutshell :roll:


Question: I'm going all the way with this case against Nationwide. But, can I claim interest and fees back from a credit card company, if I've paid them in full and no longer hold an account? Also, I'm paying off a consolidated loan via a DCA (Metropolitan) on behalf of First Direct, and wondered if I can claim anything back for this one too?


Looking forward to reading further the success stories on here.


And, want to say a huge thanks to the guys who run this site - a huge undertaking and a worthy cause!



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You can claim back the charges on old accounts as well as accounts still in use. You can claim back credit card and loan charges too. There is a tried and tested procedure to follow here, so you should follow it precisely to get your refunds. Mistakes do happen but not too often. There is a link below MIS-CLAIM TUTORIAL which should help guide you to doing things correctly. If you are in any way frightened by taking on your bank or card company, you could use the Ombudsman to handle your case.


Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


Then look at other threads in your bank’s forum, so as you know what you can expect to happen.


You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.


There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.


Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.


If you any questions please do come to the forum and we will only be too happy to help you!


Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.


All the info to get you started is here:

http://www.consumeractiongroup.c o.uk...se-read-these/


There are more links below to assist you get around the site.


Good luck




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