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Hi i sent LBA on Thursday and got full £960 back in my account on Saturday.......good luck

well good luck as i had £960.06 refunded back to after LBA ,so fingers crossed for you and good luck

I sent LBA to him by e-mail and there is no harm in sending the first,but once everyone gets wind of his e-mail this guy is gonna have some overtime. Not gonna spend any yet gonna keep for raining day but moved to another bank account in cast they change they minds... Good Luck

No he passed it on to Tina Hiscocks Branch service manager team 4 swindon,but i sent e-mail to him and letter also . Hope this helps .

Nothing To Lose As I Got My Full £960 Back Today....good Luck

WOW DID I HAVE A SHOKE WHEN I WENT ON MY INTERNET BANK THIS MORNING FOLLOWED BY A LETTER BY NATIONWIDE ....READ BELOW... Re: Flex Account ******** Thank you for your e-mail addressed to Charles Bacon datd 30th March 2006 he has passed this on to me to response and keep him informed in relation to charges on your flex Account. I can confrim that we have refunded today the amount £960.06 to the above account today. If you have any further queriesdon't esitate to call me. My contact number is ***** ****** and my address is at top of the letter WHAT A RESULT I ASK FOR FULL AMOUNT BY E-MAIL ON THURSDAY AND GOT IT TODAY,SO I AM VERY HAPPY. WICKED

Nationwide Building Society PO BOX 2098 Swindon SN1 5TY LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: ******** I now understand that the regime of 'fees' which you have been applying to my Flex account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to Statute. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated the account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £923.50 plus £36.56 which you have charged me in overdraft interest for the sum which you have taken. Total £960.06 I require repayment of this money. If you do not return it to me in full within 14 days that I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Regards,

Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: ******** SORT CODE : ** ** ** My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 2 years I now understand that the regime of charges which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. What I require I calculate that you have taken £923.50 plus £36.56 which you have charged me in overdraft interest for the sum which you have taken. Total £960.06p. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,

yes,blimey u sound like my old school teacher

yes i read yours....i hope i get something out of this as i have asked for £935 in charges to be refund for a 2 year period,have sent the second letter by email to mr bacon the solictor for nationwide and also i have posted it. If i have another bad response then it has to be the small claims court so fingers crossed and lets see what happens

I have now just posted and e-mailed my letter before action and hopefully i get more response from them this time. Will keep you posted

Hi like the rest of you i got the first letter telling me basically it was my fault for running up the unpaid charges and i won't be geting a penny back. I am not sure where to find the second stage letter anis it best to e-mail them as i have that bacon chaps e-mail who is the solicitor for nationwide. Any advice as bit of a wally when it comes to this. ThankS

I HAVE HAD ALOT OF UNPAID CHARGES MADE TO MY ACCOUNT OVER THE LAST TWO MONTHS.£150.00 JUST GONE AND ANOTHER £200 COMING OUT NEXT WEEK. CAN SOMEONE HELP ME TO SEE HOW I CLAIM IT BACK AS NOT TO SURE HOW TO GO ABOUT IT MY E-MAIL IS maddp2@bp.com THANK YOU Patrick