@nationwide overdraft problems

[happybunny23]

Hi,

 

Last July I went over my overdraft.

My dad put £300 in my account and I did not realise it was the other account he put it in.

I found out but by then I had incurred fees which were capped at £90 and I was charged a further £20 for going over my overdraft and interest on top.

I did not know I could ask these to be waived.

 

I then went into my overdraft the next month by a few pounds.

I found out that I was charged an unauthorised overdraft fee as my overdraft was taken away without any warning or letters.

I went to Nationwide and the fee was waived however nothing was explained to me about the overdraft.

 

I once again did not know what to do about it so I did not complain.

 

I have had no problems with overdrafts since then.

 

Now in April I decided to move to HSBC for their student account as I felt I may need an overdraft this summer.

I got one and I want to close my nationwide account.

 

However in June I made a silly mistake of thinking my payments from some shops had already cleared and ended up having an unauthorised overdraft.

I did not understand why and the woman in branch explained how I had got into my unauthorised overdraft as some payments had cleared later. She was no more help than that.

 

I moved out of my university accommodation but I forgot to change my address as I thought by the end of the month now funds had been added my account would close.

 

My bank letters have gone there so I did not know the fees I would be charged.

I checked my account yesterday and found I had been charged £45 in unpaid item fees and a £20 unauthorised overdraft fee.

This sunk me into my overdraft by £20 and then I had 3 payments clear on the 1st August from Amazon which means next month I will also have the same situation.

I have credited my account so I now have £43 in there.

 

How do I go about getting my the money from the charges back? I think I have a fair claim as nationwide took my overdraft away without informing me.

[dx100uk]

BCOBS p'haps

 

dx

[happybunny23]

Thank you for your reply. I know it may seem obvious but I have not spoken to customer service as I was not sure whether that would end up shooting me in the foot. Would it be a good idea to see whether they will waiver the fees first?

[dx100uk]

read up on bcobs

 

them p'haps contact them

 

refer to bcobs and its implications with this situation,

 

firmly outline that you expet them to 'redress' the charges issue in line with bcobs

 

should they not voluntarily do it now,

 

you will esclate through BCOB channels

 

dx