@asknationwide Nationwide default in error - Mortgage declined - HELP!

[KerensaDelphi]

I have been directed here by someone from Martin Lewis website. I hope to get some advice on what can be done ...

 

I will try to keep it short ;-)

 

Back in 2010 I missed making a payment (100) to my current account held at Nationwide,before charges were applies I went instantly to see my bank manager who told me he'd look into it and get back to me. He didn't. Following week I expectantly went into hospital for several days. Came home and started trying to contact the manager again. He had gone on holiday. Another person in the branch asked that I send my medical certificate in to prove what I had told them. I did this. After making another 20 calls or so I was told no refund was due. This was weeks later and in the interim more changes were applied. I ended up emaiilng the CEO and others a full account of what had happened. Within 24 hours they refunded me all bank charges and gave me £100 compensation. I was told that was the end of it.

 

2 weeks ago I applied for a mortgage with Natwest. It was declined due to Nationwide defaulting my account, which I never received any notification about this default. I've been onto Nwide who admit it's their mistake and have instructed Equifax to remove default, this can take 28 days.

 

Now I have missed the stamp duty saving and find myself having to rent for another month until my file is clear. I am peed off to the max, stressed out for the better part of 2 weeks and angry at Nwide. (so far it's cost an extra £2200) And I may ever lose the house I'd spent moths trying to find that has everything I want for my budget. I've given notice where I live and have to be out in a couple of weeks so the new tenants can move in. I'm on my own with a baby too.

 

I have a letter from KPR/Nationwide (received couple days ago) Please accept our sincere apologies for the error caused, and any distress this may ave caused ..etc ..

Can I make a claim against them for this?

 

Thanks for any help offered ;-)

[BankFodder]

Nationwide are clearly in breach of BCOBS. Probably they don't know much about BCOBS because like the other banks they don't seem to take their statutory obligations to treat customers fairly very seriously.

 

Lodge a notice of dispute with the CRA. Write a letter of complaint to the OFT.

Read up on BCOBS and then write a letter of complaint to the Bank.

You cam either tell them that you want the matter taken to the FOS - which will take quite along time, or else, in this instance, you could sude them in the county court using your direct right of action under BCOBS. If you served them the court papers on this issue you could expect a very rapid out of court settlement. The case would be in the small claims court.

You have to choose what you want to do and how long you want it to take.

 

One of your problems is that you have been doing things on the phone and not recording your calls.

I'm afraid that the bank staff are basically poorly trained, unreliable and untrustworthy - as you have found. You should always record your calls.

[KerensaDelphi]

Thanks BankFodder for such a quick response! I've got all the important stuff in email and hard copies.

 

I have been communicating with the same 'area manager' who dealt with me back in 2010. At the time she assured me this business was finalized. I emailed her again 10 days ago to tell her of this default and the problems I am having, she was in touch daily until 2 days ago,l I told her I wanted to take this furthe and how should I go about it and she has not responded.

 

I'm not very good at writing these kind of letters (Mum will add her bit) so should I mention the whole debacle from the beginning or just complain because I have defaulted on a mortgage or complain that they put the default there in the first place?

 

Apologies if I seem a bit daft, I've never had to do anything like this before. But I am learning fast!

 

Re letter from KPRdated 28 Feb admitting their error and they advised they would remove default - just checked equifax and it says 'no defaults' - So I wouldn't need to lodge a letter to CRA?

Edited March 9, 2012 by KerensaDelphi

[BankFodder]

Do your reading first.

 

the write a clear concise letter laying down everything that has happened in a clear bullet-pointed fashion.

Don't waste words expressing shock or emotion etc. Just stick to the point.

 

You need an offer of compensation as well - they will fob you off with bonbons. You should insist on £400 at least - unless you feel that you have lost more and whatever the outcome of your complaint - unless you get what you want, tell them that you want it before the ombudsman.

If they won't sort it for you quickly then you need to decide either FOS or court