Hello Everyone!
What a fantastic site this is - I have never found so much helpful and informative in pne place before.
Here is my situation.... Any feedback/comments/help would be much appreciated...
I am a student coming to the end of my studies in Cardiff. I have a job lined up to start on the 1st August which is pretty exciting. Until the end of August, however, I am pretty tight for money. So time to claim back some charges....?
(That sounds very frivilous - I can assure you that I am not going into this with a blasee attitude)
I have a savings account and a current account with nationwide, a student account and an online saver (empty now!) with lloyds TSB and a student account with Natwest.
I was charged £60 by Nationwide in march (unpaid direct debit for a £15 phone bill while I was out of the country) and as this is the only account that has been very well maintained and is not overdrawn I thought this would be the best way to start. As I also have a savings account with Nationwide would there be and mileage in sending a more friendly letter before progressing onto the standard letters in the library? I feel that as it is a one off charge I might have more of a chance? I remember reading in the forum that someone had done this and been paid back straight away but now, of course, I can't find the post! Any ideas for a letter would be great.
I think I may have to get more tough with Lloyds and Natwest but I think I need to build up the confidence for that - I really don't want to get myself into a situation that I can't get out of for the sake of about £150.
I realise that the amounts I would be claiming back are relatively small compared to some of the amazing battles/success stories in these forums - is it really worth it do you think? I feel like I am being petty to try and get this money back - I did go over the limits/have insufficient funds etc... Is it any easier to claim back smaller amounts do you think or is it still alot of work/risk?
Thanks for any advice you can offer,
Hannah