Although I didn't have all the statements for two accounts which my husband and I hold at Nationwide I downloaded the letter which requests a refund for charges based on a calculation taken from three months of statements. I got the standard letter which states we signed up and should expect such charges. As yet I have not taken any more action, this is not to say I don't intend to because i do. Unfortunatly we have a considerable overdraft on both of these accounts and we have just recieved a letter informaing us that our fecility will be reduced to £150 and we need to cover the rest by 20 July or we will be charged a very hight rate of interest. This puts us into a very difficult position as I cannot think how to get hold of this sum of money before this date, just to add our overdraft is such as we have had extensive work done on the house. Can they do this to us? has anyone else had this happen to them?

if you/or they don't close your account after a payout are you still charged on the same basis, if so do we need to go through this process every year?

I'm a new member and just wanted to say that I have had that first reply and after reading all the comments I think i am tempted to use one of these organisations that do it for you, I know they charge but after all I will be getting money back which I never expected, what do you think? From atop

I am struggling to find out how to post a message, I'm working on it but help will be appreciated, or am i doing it now???