Nationwide Credit Card and overdraft (N.I Belfast)

[dx100uk]

get reclaiming !!!

 

not got PPI too have you?

 

 

dx

[dx100uk]

yes they can offset

 

i'd put in a proper charges reclaim...did you get the interest too back on them?

 

if you are unable to pay the full amount needed

 

you should write to ALL your creditors

[there is NO legal remit for them to know ANY of your in/out details - onyl a JUDGE can demand that!!]

 

TELL THEM [dont offer] they will only be getting £xx for xxMTS as a GOODWILL GESTURE

they you will review.

 

as a reciprocal GWG will they please refrain from levying PENALTY charges & freeze interest.

 

should they FAIL to do so [they must help under various guidelines]

you will have no alternative but t DROP them to £1PCM till you die.

 

pay what you have promised by your internet banking site without fail.

 

dx

[dx100uk]

if they have levied and taken CHARGES from benefits payments

 

hit them with BCOBS

 

benefits are for YOU TO LIVE ON NOT for their ruddy charges.

 

dx

[dx100uk]

i thought you'd already moved your money

 

do it and pay them as you can...£5pcm?

 

dx

[dx100uk]

yes

 

dx

[dx100uk]

there are some online accounts that have a one click button

and they do everything for you.

 

dx

[dx100uk]

sorry what are you getting at?

 

they've refused to refund?

 

 

dx

[dx100uk]

do they really

 

time to sar them then

 

dx

[dx100uk]

£10 PO

 

dx

[dx100uk]

nothing illegal at all, its not criminal

perhaps 'unlawful' as its civil

 

 

you dont put anything additional on the SAR.

 

just leave it as it is.

 

it does not need a covering letter either.

 

dont tip them off!

 

dx

[dx100uk]

cheeky buggers

 

they are NOT immune to BCOBS though!!

 

adapt and send this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

 

dx

[dx100uk]

sounds like a BCOBS complaint is in order here

 

dx

[dx100uk]

BCOBS!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

 

dx

[dx100uk]

doesn't matter, they did it whilst your wer

COMPLAIN

 

see that thread

 

dx

[dx100uk]

only if this were ME....

 

i'd do nothing of the sort.

 

let them goto court with this

 

I doubt if they would wish their actions

like knowing levying PENALTY charges

on accounts when the OP is on benefits

to be exposed in court.

 

not sure if you done the following

but this is what I would do...

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[dx100uk]

KPR are their own inhouse lot

 

waste of time responding if you don't want too

 

also read the letter properly

 

it does not say WILL.

 

dx

[dx100uk]

you have an arrangement

 

thee is nothing they can do

 

ignore them

 

pay the £1PCM

 

dx

[dx100uk]

total bowlarks. the charges are a penalty end of.

 

never heard that excuse before...its an active account, cant refund!! wow

 

under BCOBS they have treated you unfairly.

 

that's ok you've nailed your colours to the flagpole.

 

stick by them.

 

dx

[dx100uk]

I&E sheets are none of their business

 

only a judge can demand those details.

 

dx

[dx100uk]

KPR are NW's in house DCA

 

so they are lying.

 

hmrc are correct

 

the money is for YOU to live on

not for their bank charges

 

have you looked at a BCOBS complaint to NW?

and get the charges removed/refunded

 

see here:

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits

 

dx

[dx100uk]

no they cant The case of McGuffin, or something

is nowt to do with BCOBS

 

post up the letter

 

dx

[dx100uk]

time to ignore them again and keep paying the £1PCM

 

dx

[dx100uk]

posts from another users thread moved here to your one

to prevent hijacking.

 

if you find a thread that looks good

post a link to your one

asking for people to pop in and help

 

dx

[dx100uk]

£1 then for now

 

dx

[dx100uk]

read the letter from the fos

think you'll find it say you can goto the ombs himself

as that letter is from an adjudicator ...

 

dx