Got a statement through the post from Nationwide this morning. I have intentionally not been using my Nationwide account, and as soon as my wages go into it, I've been transferring the money into another account (leaving just enough to cover DD's etc). However the above statement tells me that I went overdrawn last month by £30 which was a rejected direct debit charge from the month before !!! Now, there is zero balance in this account, however they are telling me that they intend to take £20 for unauthorised overdraft + 30p interest from this account. This will put my account (which has no overdraft facility) £20.30 overdrawn. Then they'll send me a letter next month telling me they are going to charge me £20 (+ interest) for this. Theiving, crooked, cheating **** !!!

Well done mate. This serves as inspiration to all of us who are still in the relatively early stages of our claims. :D

Thanks guys. Richmond address seems like the right one. Will post my progress. Cheers, ZTF

Hi Guys, Does anyone in the entire universe have a UK postal address for Ebay ? I am currently suspended for a crime I didn't commit (sounds like the A-Team I know) and am trying to clear my name, once and for all (I was the vitim of a [problem]) I figured that the 1st thing to do is to fire off a SAR to them, to find out what info they have recorded on me. Getting fed up of being fobbed off by them responding with standard response e-mails which don't answer my questions. Any help would be greatfully appreciated AAaaaaagggghhhhh

Hey MTM, For 2 and a half grand, I'll quite happily don the tartan skirt, paint my face blue and march south south of the border if necessary to face the enemy that is the Nationwide. That would raise an eyebrow in court, eh ? Imagine the headlines "Mad Jock with swollen feet turns up in London Court after 500 mile hike !!!" Ha Ha Ha "Every pennie's a prisoner "

Thats the LBA sent today. 14 days expires on 19th June. MCOL time will be 20th June, however I hope it doesn't come to that. Knowing my luck it will though. Anyway, all fingers, toes and all other appendages crossed (ouch !) ZTF

Friday 1st June. As expected, recieved a very nice letter saying how sorry they are, an dhow much they realise this is disappointing, however they can't agree to any refund - WHATEVER !!! LBA being prepared and will be sent recorded delivery on Monday. Let the games begin Considering renting an English address (Mailboxes etc) for 3 months (£60 ish)so I can use MCOLi nstead of risking the Scottish system. Don't have a problem heading south to court should the day come. Will probably rent a London address so I can fly easyjet on the cheap. Will keep you all posted. ZTF

Hi Shegar, Having worked in motor trade sales for 14 years, my understanding is that if they don't have a CCL, then they are operating outwith the law (unless they do nothing but cash sales which is highly unlikely !!). However, they have actually stated that they can organise HP for you without a CCL (I wonder what the FSA and local trading standards would think of this ?) Iwould ask the dealer Principal, or sales manager this question. Personally, I don't think the dealership has a leg to stand on, and are legally bound to refund your deposit in full, as it is their incompetence, by letting their CCL expire, that has caused the problem. Should they stand their ground, I would request a written statement of how this has "cost them" £410 Hope this is of some help, and Good Luck:smile:

Hi Guys, Thats my preliminary request for repayment of charges sent today by Recorded Delivery to Pipers Way address. Claiming over £2,400, so fully expecting to be told to poke it !!! 14 days given, which ends on 6th June (my bithday - what a prezzie that would be) Will keep you posted as and when (and if ) I hear something. Cheers ZTF

Hi Lori, Can you let me know where to send the preliminary letter to request refund of charges. I eventually got the list of charges from the Nationwide today, (over 2 grand !!!). Also, as I'm in Scotland, is it best just to break down my claim into smaller claims and go through the Scottish Court system if (and when) they tell me to f off which I'm fully expecting ? Thanks

Right then, That's time up I suppose. No info as requested in the post today. I now need to suss out the best course of action. I can see from my online banking which allows you to go back 15 months, that there is approximately £600 of charges in that period. Am I best to start claiming this lot, whilst chasing them for the entire information that I have requested & paid for, but never recieved. Then once I eventually get it, issue a separate claim ? Oh one other thing I haven't already mentioned - I'm in Scotland, therefore I think that I'll have to do sevaral claims anyway because of the £750 Small Claims Court limit ! As another thought, is there a way I could rent an English address (Mailboxes etc) and then use MCOL for the whole lot which will probably total a couple of grand. Also, this would let me go back 6 years instead of the 5 years in Scotland ? Is this legal? Thanks in advance for any advice offered ZTF

Recieved my statements from the Nationwide yesterday, by special delivery - TOTALLY BLANK !! They sent me 1 piece of paper with the wrong account number on it, detailing nil charges !!! I've sent them back this blank statement with a covering letter detailing this error, and giving them until wednesday 16th May to get the proper info requested and paid for to me, or I will write to the Financial Ombudsman detailing their non compliance. I hate waiting !!!

Does anyone have a phone number I can call to find out if they have actioned my SAR, as the 40 days is up on Sunday this week, and I would rather pre-empt any problems rather than waiting for the 40 days to come and go. Ta

Hi Andy, I just used the envelope "as is", in the hope that it's right (and I've ran out of stamps) It had a reference number on it, highlighted in purple highlighter pen for some unknown reason. Probably means "put to the bottom of the pile" or something like that" !!! Cheers ZTF

That's my letter off to them today, stating that they already have my payment. I sent a letter as I don't have a phone number for them (Data protection Administrator in the Statement Subject Access Team). Anyway, they provided me with a nice pre-paid envelope, so I'd be as well using it !!! If it's any use to anyone, the address is: Data Protection Administrator Statement Subject Access Nationwide Building Society NW5001 Newcombe House Swindon SN38 1NW