Nationwide: hardship claim for charges - ** SUCCESS **

[Ace of Spades]

I have written a very long letter to Nationwide today asking for charges to be refunded. We suffered terribly 4 years ago after OH was made redundant twice in 6 months and I lost my job and was out of work for 5 months. Since then we have both been in and out of work, we ended up with huge rent and CT arrears, and 4 years later we are still struggling to make ends meet. OH is self employed so income is inconsistent and I now only work part time, having had lots of time off work due to chronic back pain.

 

When we contacted NW at the time they were not very helpful at all. We incurred charges on charges on charges and it seemed like our overdraft increased exponentially...

 

Our account was passed to a DCA not long after and we have only managed token payments in all this time. I am hoping that they will refund the charges as this would clear the majority of the overdraft, and allow us to have a chance at paying the rest off in our lifetime! However I will not hold my breath for any success. It will be a great bonus if we get anything.

 

I will keep this updated with any progress.

[Ace of Spades]

I posted my letter today by recorded delivery and have given them 14 days to respond.

[Ace of Spades]

I received a letter from Nationwide today. They said my case did not meet hardship criteria and that the account was our responsibility. However as a gesture of goodwill they will cancel the charges that occurred after we stopped using the account in 2009, so will refund £630 to the outstanding balance!

 

This is more than half of all charges applied to the account, I guess I could push for more but to be honest I am happy to have got something back at all.

 

This is my first success against a bank and all I did was write a (seven page) letter!

[helpneeded123]

Congrats well done!

[Ace of Spades]

Thank you!

[honeybee13]

Well done, Ace.

 

Changing your thread title.

 

My best, HB

[Ace of Spades]

Thanks HB