Nationwides unofficial fines system

[chimp choker]

Ok, further to the other post I made today, the nationwide is being the pain and not helping me with the CCCS which is I suppose their right. however, When we applied for a loan ( subsequently defaulted on jan 06) the local branch worker fiddled my income to let the loan go through. I didn't notice this or I'd not have taken the money but since then because i can't pay all the loan each month the nationwide have pulled my overdraft in. They stated in the letter that because i hadn't paid the loan back they were removing my overdraft. ( as a direct cosequense)

 

The gauling part is that i followed the advice on here and opened another current account then stopped all the direct debits, standing orders and internat transfers etc on my nationwide flex account and each month since January a new direct debit mandate or an internal transfer or standing order appears on my nationwide statement for a debit I have cancelled. Because there isn't enough funds for it to clear it bounces and then the nationwide charges me an unpaid direct debit fee , the latest is £30.

 

I do find it funny and gauling at the same time. Also the fact that they are able to do this in the hope i haven't been on this site. The question is how many other people is this happening too and how much are they getting in these charges....Incidently the interest for this moth is another £49.00.

 

I've sent a letter off today asking for their excuses before i report them to the Banking ombudsman and also dropped into the letter that i would consider them to be unfit to hold a credit licence especially if they don't credit my account with the charges.

 

See what that brings up.

[tim2718281]

I suggest if the bank is taking DDs from your account, demand to see written authorisation with your signature on it.

 

I also suggest you write to the bank, instructing them not to takle any direct debits from the account in future.

 

Tim

[buzby]

For the DDMs that are still classed as 'Active' there is still a responsibility on you to arrange cancellation of them to prevent the situation you now find yourself in. Just because you no longer use the account doesn;t mean there cannot be a DDM attempt. If the mandates were cancelled, (and you can do this be writing to the originators) then and fee changed for bouncing them can be clawed back under the DDM 'guarantee'. Another of the reasns wht I refuse to have DDM's on any of my accounts.

[chimp choker]

All the DDM were cancelled via the internet and each time they pop up I cancel them again via the internet so none of them were active. I had to use the internet because i cut up the card and the nationwide branch in my town won't access my account without the card. I think it is playing hard ball because of the advances problem but I'm not bothered. I'm happy to let these lie until they respond to my letter asking for an explination and if they don't then they get lumped onto the claim and hopefully interest will be paid.

[tim2718281]

Just write your instructions to cancel the direct debits, and hand it or post it to the branch.

 

Tim