Hi Kez, it seems it may be worth your while to write your letter off to Mr Beale, AND to send your form in to the FOS. After all, that's double the pressure then isn't it, and hopefully that strategy will work for you. Yes, please keep us updated, Best wishes again. Keep going, you will get your money back

Hi virdeea, i'm sure you'll get your money back, hang on in there, keep on going and you will get your money back. The Nationwide will keep you waiting, but have a look round the threads here for some useful tips, and ask any questions that you think you need to know about, i'm sure there are lots of people here who'll be able to help. Best wishes

Hi t2suggas, I was quite surprised it was settled so quickly to be honest with you, mind you, the money isn't in my account yet, they've said it should be within 2 weeks. Best wishes with your own case.

Hi CyprusOlives, Congratulations on your win. It's always good to hear about.

Hi chrisk7, I know what you mean about becoming addicted to reading through everything you can on this forum. Try not to worry too much at this stage about the overdraft (I was in the same position when I first started my claim with an overdraft, and I was also worried about them demanding repayment), just focus on each stage as it happens, and if anything unexpected happens, just post a message to ask for advice, i'm sure people here will be able to offer you assistance in any event. Best of luck with your claim.

Hi all. It appears that my letter to the Chief Executive was a wise move, see: http://www.consumeractiongroup.co.uk/forum/nationwide/99140-letter-chief-executive.html I received a letter this morning from their Member Service department, saying that Mr Beale is sorry to learn of my disappointment, and after fully considering everything raised in the correspondence on "this occasion only" they're willing to refund all the charges requested, and reverse pending charges. They've apologised for the poor customer service, and offered me the full amount as a full and final settlement of my complaint, i've signed the acceptance form, as it is the full amount, and they have not attached any further conditions. It may be worth others writing to the chief executive if they have similar concerns as I have outlined in that letter to Mr Beale. Best of luck everyone, and a donation is on its way to the CAG. Thank you to this forum for all the very useful information, it's greatly appreciated.

Just had an additional thought on this subject. Doesn't the law say that when any losses are awarded due to unlawful actions, then the claimant should be in the position they would have been in had the unlawful actions not happened in the first place? If the above is the case, then, say for example someone is in the unfortunate position of their balance being into the unauthorised overdraft when they are claiming, before they actually claim their losses from the charges themselves, shouldn't people question the legality of these unauthorised overdrafts first? If it is true that people should be in the position they would have been in before any unlawful actions are carried out, then if it can be proven in court that unauthorised overdrafts are unlawful (I think an argument could be made about this under the Consumer Credit Act 2006 as I mentioned earlier in this thread) then before any charges are credited to a claimants account, the balance should be brought upto the legally enforceable overdraft limit before any charges are returned. I hope this is clear, what do you think?

Oh, i'm not holding back on anything Remus. I've also just lodged a complaint relating to their possible breach of the data protection act (they sent my statements to my previous address after i'd followed all the necessary steps to change my address with them) So I can now add another act of negligence to the others. You know, I wouldn't have believed how negligent and incompetent they are, if it weren't for starting down this route! On one occasion you know they returned a direct debit for £14.99 unpaid when my balance was at +£46! Dead right on the direct debits, they definitely don't appear to work in the consumers favour. Hmmm, I wonder if because they are variable any of those areements could be also classed as unfair because they act to the detriment of the consumer? Any thoughts on whether they could also be in breach of the Unfair Terms in Consumer Contracts Regulations? They're not getting away with it anymore so easily, that's for sure thanks to sites like this.

I'm sure you won't need any luck, but good luck anyway pink

Congratulations bimbam, it's great to read about all these successes against the Nationwide.

There's also the following people can download if they'd like to do so, a handy little tool which allows anyone to convert documents to PDF format, i've used it a couple of times myself, and it does the trick: Free PDF Converter - create high-quality PDF from any printable file type

Well, there's been many a time when i've gone to a cash machine to discover that i'm just short of the minimum £10 I can withdraw. I would certainly welcome the cash machines being stocked with £5 notes, rather than going into the branch and waiting in a long queue to get a fiver out. Of course, they're saying that because they don't want the additional "hassle" of having to stock their machines with this extra note.

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Just a quick update, received a letter from the Ombudsman this morning, they're passing the complaint to the casework administration area to await allocation to an investigation team.

Hi Kez, sorry to hear that you've still had no responses at all. It's terrible service really isn't it. Sounds bad having to increase your overdraft. Have you considered also saying to the ombudsman that you don't feel that they're acting as responsible lenders according to the banking code, or alternatively, depending on your own circumstances telling the ombudsman that you feel they're in breach of the Consumer Credit Act 2006 in regard to "Unfair Relationships between Creditors and Debtors", in that you've been forced into increasing your overdraft limit, purely, or in part because of their unlawful penalty charges? Hope the Ombudsman manages to get you somewhere Kez. Best wishes.