Sick to death of Nationwide

[magictorch1976]

Hi all

 

I would appreciate some advice.

 

A number of years ago - at least 7 or 8 - I can't recall without going into an archive box, Nationwide debited my account with an unpaid direct debit fee, which took the account £3 into an unauthorised overdraft.

 

I was in the process of leaving them anyway for another monster financial institution so I wrote to them closing the account.

 

I then exhausted their internal complaints procedure, by which time the charges amounted to £298.80 and this has been passed to a debt collection agent.

 

I think it is absoutely disgusting that a bank can charge this amount of money on a)an account that went £3 into an unauthorised overdraft, and only upon the application of one of their extortionate charges and b) how they can continue to add charge upon charge on an account that is quite obviously dormant.

 

I have no idea how to proceed now since the unfair bank charges case was blown out the water last year. Fredricksons are threatning court action and Nationwide's final response a couple of years ago was f-off dear customer, our charges are fair blah blah blah.

 

This is a morally corrupt situation. I wasn't in any unauthorised overdraft until they applied the charge and it was a basic Flexaccount, which was never supposed to be allowed to go into an overdraft, authorised or not anyway!

 

Any advice appreciated. Fredricksons are refusing to hold the action and I am being told they cannot go back to Nationwide with anything other than "a payment."

 

Thanks very much.

 

J.

[dx100uk]

ignore totally

 

very statute barred!

 

dx

[johnny28]

Hi all

 

I would appreciate some advice.

 

A number of years ago - at least 7 or 8 - I can't recall without going into an archive box, Nationwide debited my account with an unpaid direct debit fee, which took the account £3 into an unauthorised overdraft.

 

I was in the process of leaving them anyway for another monster financial institution so I wrote to them closing the account.

 

I then exhausted their internal complaints procedure, by which time the charges amounted to £298.80 and this has been passed to a debt collection agent.

 

I think it is absoutely disgusting that a bank can charge this amount of money on a)an account that went £3 into an unauthorised overdraft, and only upon the application of one of their extortionate charges and b) how they can continue to add charge upon charge on an account that is quite obviously dormant.

 

I have no idea how to proceed now since the unfair bank charges case was blown out the water last year. Fredricksons are threatning court action and Nationwide's final response a couple of years ago was f-off dear customer, our charges are fair blah blah blah.

 

This is a morally corrupt situation. I wasn't in any unauthorised overdraft until they applied the charge and it was a basic Flexaccount, which was never supposed to be allowed to go into an overdraft, authorised or not anyway!

 

Any advice appreciated. Fredricksons are refusing to hold the action and I am being told they cannot go back to Nationwide with anything other than "a payment."

 

Thanks very much.

 

J.

 

 

As the debt is over 6 years, then it is statue barred, there fore write to Fredricksons and in big bold letters at the top state:

 

I DO NOT ACKNOWLEDGE THIS DEBT.

 

you will find some template letter to help you.

 

Good Luck.