im so glad i found this forum its basically told me what i felt was wrong is wrong.
i have already tried getting nationwide to return charges made agaist me some time ago such as being charged when my account had 76pence in it and a £1 magazine subscription tried to go out. they never even paid it and charged me a crzy amount for tryin to go 24p overdrawn.
another time i had around 60 pounds in there and the next day a cheque was going to clear for £1700 pounds but they still never paid a £70 debit, charging me for refusing it. then of course i got a 2nd kick while i was down by being charged by my credit card for the payment not being on time.
some example of there responses below
--------------------- Original Message ---------------------
Subject: Re: General Received: 29 October 2004
Dear Mr Creed,
Thank you for your message.
To ensure the items you have authorised for payment are paid, you must have sufficient available funds in your account at the close of business the day before payment is due to debit your account. I can confirm the following information in regards to the returned direct debits on your FlexAccount****60473:
12/10/04: Returned Direct Debit to Paypal UK for £71.68 as you had insufficient available funds to meet the payment since your balance was £60.49 when it was presented.
12/10/04: Returned Direct Debit to Paypal UK for £84.49 as you had insufficient available funds to meet the payment since your balance was £60.49 when it was presented.
HERES THE BEST BIT.....
When the decision to return your direct debit to Dennis Subscription for £1.00 was made on 13/10/04 the account balance was £1752.99 but the available balance in your account was £0.24. If we had paid your direct debit, your account would have gone overdrawn. As you do not have an agreed overdraft facility, it was automatically returned unpaid.
Please note the reason for the differences in your balance is that a cheque credit of £1752.75 made to your FlexAccount on the 15/10/04 did not clear until 5 working days which is the 22/10/2004.
To view our Cheque Clearance table, click on the following link:
http://www.nationwide.co.uk/banking/current-account/paying-money-in.htm
Please note this has resulted in charges which you will receive notification of on the last page of your next quarterly statement dated the 09/01/05. They are then applied 28 days later.
Should you wish to discuss this further, please contact your account holding branch where an advisor will be happy to assist you.
Please use the following link to find the address and telephone number of your branch:
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the more i read it the more it annoys me, at least banks pay small incursions, (well midland hsbc used to) ok id be chatged but at least my credit card would be paid so i didnt incur 2 charges. Nationwide is worst place ive ever put my money, i hope they shut my accout......after paying me back of course
i shall now try again with your great help, much respect.
there assistance that they are happy to give is just basically hiding behind a load of waffle which basically just means NO, and they make you jump through hoops just to be told no.