nationwide flexi account default

[jenni005]

Hi, this is first time post,

im hoping i am posting in the correct topic,

 

I recently applied for a credit card and was declined so looked up my credit history

and discovered that nationwide had put a default onto a flexi account i had.

 

I had gone £20..infact i dont even think it was that much over drawn, and hadnt realised as i never used the account.

i then discovered a couple of months later when i came back from university that i had been charged a ridiculous amount in overdraft fees,

 

I called and paid the debt off and the member of staff assured me it the to the correct amount i had paid.

 

the next month i get a letter charging me another overdraft fee as they hadnt taken into account

when i paid off the debt that it wouldnt cover some kind of cost,

im not exactly sure of what it was as this was over a year ago i dealt with the issue.

So i had therefore been charged another months fees.

 

I phoned up to get this sorted out and this time paid off the whole amount ensuring that i didnt have anything on the account.

however have now discovered they have put me into default of £21,

i have never recieved any correspondance with nation wide since my statement came in to show i had a balance of 0,

and its the only thing thats stopping me applying for credit cards etc...

 

where do I stand?

 

Jenni

[dx100uk]

sadly the markers reflect the true operation of the account

 

however, you could argue that rectified the error with a resonable time

and that it should have been the end of it

 

were you not getting statements throug to show you this?

 

you can access the ac online and download the history

then p'haps politely ask if they will remove the markers as its disrupting your future plans

 

dx

[dx100uk]

i''l move your thread to the nw forum

 

dx

[jenni005]

Thanks, I am going to call them on monday to try and sort it out, As i have discovered that they originally never told me they had taken my over draft away, meaning that the 20 pound that i had gone overdrawn resulted in all the fees. I also never got any letters telling me it had gone into default, the only letters i had recieved were ones telling that if i never paid my details would be passed on to a debt collectors.

 

Jenni xx

[slick132]

Hi Jenni,

 

Has this been resolved yet or not.

 

If not and you want to get some of the charges back, you need to show that you were wrongly advised or unfairly treated.

 

Best way to set about this is to send the bank a SAR to get all the data they hold for you - http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

 

Let us know if you want to pursue this, or are you happy to leave it as it is.