Help Needed to Claim back Charges!

[kyri_s]

Hi, opened a nationwide account around 6 years ago, didn't get a debit card so had to use credit cards as debit cards to do regular everyday transactions. As their on-line banking facility was ok didn't really mind so much as most bill etc paid in this way.

 

However everytime a DD failed, or their charges took me overdrawn, BUMP! £27.50! even for DD of under £10.00. I calculate approximately £1500 I've paid in charges over the years. Needless to say no longer with Nationwide, got a proper bank account with Halifax within minutes- debit card, overdraft, loan - No problem!

 

Can anybody let me know what the next move is to try and claim this money back?, and how does this test-case waiver affect my claim?

[BankFodder]

Was this a basic account?

[Charbydis]

Does having a basic bank account make a difference. I ask because I am in similar position with Nationwide having had an account with no cheque book or debit card I am trying to get back my charges see my thread Charbydis vs Nationwide.

[BankFodder]

I think that there may be a basis for challenging charges on a basic bank account.

Can you post a link to your thread

[Charbydis]

http://www.consumeractiongroup.co.uk/forum/nationwide/250143-nationwide-charbidys.html

I thought so to but couldn't find any evidence

[kyri_s]

Hi Bankfodder, thanks for the reply.

 

Yes this was a basic account, so basic, it didn't have a cheque book, nor debit card, just a bank (maestro/sirrus) 'cash card' and online banking.

 

Paying bills online was ok, but making purchases a 'nightmare', so had to use credit cards as current accounts and kept transferring cash credits to credit cards....

[BankFodder]

Was any of this overdraft made up of charges upon charges?

[kyri_s]

Well, there was no official overdraft on the account for my use, however, if occasionally, there was insufficient funds to cover a particular direct debit, then they would reverse the transaction and then apply a 'failed Direct Debit fee' od £27.50. If, this then put the account into overdraft, then another 'unauthorised o/draft' fee would also be applied, and so on....

[nutter192]

this could be interesting as trying to do my sisters bank charges. she had about £600.00 of charges upon charges until I paid a F&F settlement of £250.00. would be interested to know how having a basic account will affect this.

 

subbing.

[determindator]

Subbing, to see if there is a significance between Nationwide Bank accounts when it comes to claiming.

[tbathgate]

I'm subbing as well as I would be interested to know the outcome of this.

 

I had a nationwide basic flex account that was defaulted in 2007 from charges on top of charges to the tune of £272.

 

I now have the pleasure of westcot Credit services harrasing me for the debt.

 

I tried in the past to get them to refund them and I think they have me like £70 back and refused the rest.

 

I'd love to get it sorted as I'm re mortgaging soon, i should start my own thread.

[jo0410]

Subbing as had a basic Flex account with them for about 5 years then moved to Lloyds for a normal account. They are threatening to DN me as for the past 5 months not used their account facility and they keep putting charges on charges and then interest on top of that due to a failed DD that took me into an unauthorised overdraft. Basically the whole amount of £260 is TOTALLY their charges and interest.

[Deellen]

I have received a letter from Nationwide, dated 8th May, telling me they have reviewed my overdraft limit and are reducing it from £1500 to £800 as from 3rd June. Because I have exceeded my overdraft limit without authorisation, the only time this happenend was in January when I went over my limit because they took out their interest the day before my pension went into my account, putting me over my limit by £4 odd. they then charged me a fee for going over my limit!! As I am now living on benefits and a small company pension I cannot afford such a big drop. so I rang and they agreed I can pay off my overdraft at £60 per month, however this will still make it very difficult to make ends meet.

Can they actually take their charges and make my account over my limit, a short time before this they bounced a DD because it would have made me £1.75 over my limit and charged me £30 for the privilege. When I rang the guy asked me if I had any savings or another card I could use, since all my accounts are with them they surely know how much I have (or not as the case may be)

thanks for any info

Dee