I didn't ask for a letter of deadlock - I just wrote to the Ombudsman informing him of the situation . I told him that I had called tha bank and that they wouldn't budge . What upset me most is that they closed a joint account in the names of my husband and myself which is managed my him and he has never had a bank charge in his life !! I will let you know if I hear anything . Liz

Thank you for your reply . I have already written to the Banking Ombudsman and to Which . Do you think I ought to write to Nationwide as well ? I did ring them when they wrote to close my accounts and was told " It is Nationwide's policy to close the acounts of anyone who takes us to court " Sounds like retaliation to me !!

Got mine back too !! Only £479 but it's fab . The bad news is they have notified me that they are closing ALL my accounts at the end of the month . Just sent a letter to the Banking Ombudsman to complain . Thanks to all who helped . I will be donating ! Lizj

I am at the stage where I have sent the letter claiming charges back along with a schedule of charge . I don't know how much to expect back though . Say the bank offered me 50% back is that acceprable ? I have had a letter today from the bank ( Nationwide ) saying that my signature on the letter doen't match the one they hold on file and that I should go in and take my passport to prove who I am ? Has this happened before ? Am I even posting in the right place . Confused .

I'm sorry to appear a bit thick but I have today received my statements from the bank ( Nationwide ) . I am now going to send a preliminary approach for repayment letter but what is a " Shedule of Charges " ? Is it just a list of dates and amounts I have been charged ? I'm a little confused . Liz J .