Nationwide Credit card- I won my PPI claim and had problems ever since.HELP please?

[carlea80]

Hi all.

 

I posted last year on getting advice for PPI claim against Nationwide credit card and was successful last May/June. I got a letter saying the money would be refunded to the card so was very happy, the agreed limit on the card was £1900 so I was relieved to think that I had it available as an emergency source of funds.

 

I also after accepting the amount offered asked for a replacement pin as hadn't used it in awhile and forgot it.The day after I did this I logged into online banking to see my accounts etc and noticed that when the refunded amount was credited back to the credit card my Credit Limit Amount was reduced to just £500.

 

I had not been told of this and found it highly convenient timing on their part, so I contacted the card services team, who assured me they had the right too do this and that it was "mere coincidence" I asked why it hadn't been notified of this prior to my PPI claim, to which I finally got a letter later in June saying that as responsible lenders they "reguarlarly review customer's limits and that the decision to lower mine was to help me manage my borrowing". I also during the conversation asked once again how convienantly the card wouldn't work online or with the pin number I had been sent out after the refunded amount was credited back to be told that was an actual BLOCK on the account and I had to send them some financial information. I explained that if they could put it in writing exactly what I needed to do I would then send them the information.

 

I never heard anything and recently I had my latest statement through and I owe a current balance of under £4.00 and it for some reason triggered me that I hadn't ever heard from them, so I sent a message via online account to card services. I then got a phone call asking what my concerns were etc, etc, so I went through it all again and the next day got a confirmation call telling me that she had looked into it and that they would send me a "copy" of the correspondance in the letter to me about the block. The letter dated 12th Feb had NO copy of this alledged letter and states that the" block was placed on the account when a claim was made on your PPI policy in 2009" !!

 

This made me puzzled as I was sure I had used the card since 2009, and having checked a couple statements I did indeed use the card on 6th April 2010 for £172.63. How would this have been possibke with the BLOCK being on the account, as I cant use it now??!!!

 

I am self-employed so have been asked to provide 3 months bank statements, but before doing so wanted to check that they can actually do this?!! It all seems very convenient timing as prior to my 2012 PPI claim on the card I was never told of any block, or even had the credit limit reduced whilst it was near maximum, then I win a case and have trouble.

 

Sorry for the long story but not sure where I stand, so advice greatly appreciated.

Edited February 18, 2013 by carlea80
Missed some information out

[ims21]

Well it does seem rather strange doesn't it.

 

What I might be inclined to do is write a letter to the bank and head if formal complaint. Although that will give them 8 weeks to respond, it also means that they must give you a final decision which in turn means that you can take the matter to fos if you so wish.

 

I would suggest that you set out the full time-line of events that have happened from your point of view and question them to provide a full and complete answer on each of the points. Things like when specifically was the block put on the account and specifically why.

 

And, when was the credit limit reduced and specifically why.

 

Let them know that you feel that this is retaliatory action being take for your PPI claim.

 

Get all the points you want answers to in the letter so it may be quite a long one.

 

From what comes back will help you determine whether there is a course for the matter to be referred to fos.