Also wondering if anyone else has had these problems with Nationwide. I have been a customer of Nationwide for damn near all my life, as Mum opened an account for me before I was even 1. Anyway, about 2 years ago I decided to open a Flex Account with them and the problems started. I have never ONCE had a letter telling me about charges, I only find out about them when my statement comes through, or in the case of over Christmas, when a cheque is returned unpaid, which was a bloody joke! They whack out £180 of charges (bear in mind I am paid weekly, so that was like a week's wages down the drain!), cheque for £23 bounces, so on goes another £30 charge from Nationwide for returned cheque and £20 for going over the overdraft again and another £35 charge from Nationwide credit card! Taking the mickey anyone??? So tonight I will be looking through the letters on here, shall manipulate one so that it makes sense to my situation and the fight begins! I won't even being describing the problems I have had with Nationwide credit card though as it would turn this post into a novel.