Returned Direct Debit fees - NATIONWIDE

[pj4d]

Hi Folks,

 

As I am new on here, I am hoping somebody may be able to advise me on where do I begin to reclaim back the HORRIFIC charges my bank has been charging me these last few years......

 

I have an overdraft facility in place to help me with my bills as i now get paid monthly instead of weekly.I have earned thousands during my loyal service to this Building Society but have also forked out literally hundreds in bank charges.

 

Occasionally the amount i went over was pence not pounds, but still they have landed me with severe heavy penalty charges.Thats customer service for you i guess !!!!

 

It has been brought to my attention by word of mouth that we, the client or consumer can fight back ? Is this true ?

 

I would really appreciate any help or advice on this and would even be willing to reward the person by means of a good will gesture for their information / tips.

 

Anyway cheers everybody who takes the time out to read my post and i am eagerly looking forward to all your replies !!!

 

Thank you

 

pj4d

 

 

 

 

[pj4d]

Greetings Folks,

 

Surely somebody out there can help or at least advise me of my matter.....

 

Hello,Hello is there anybody out there !!!!!

 

[mutzi]

Yes, this is exactly what this site was set up for, read this: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

And then some other threads in this forum to get an idea of what to expect from the nationwide.

 

Good luck

[Allyxia]

Hello and Welcome

 

First of all don’t panic - you will soon have your money back in your hands where it belongs!!

 

Yes…you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!

 

Remember the banks have acted unlawful you haven’t!!!

 

Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!

 

Well done for posting this in the correct forum. Here you will have other “experts” who know how that particular bank reacts. As you have already posted this one, I assume you already know how to do that!

 

First of all, if you haven’t already, you need to get hold on your statements. You do this by sending them SAR letter. Remember you can claim back for the past six years, including closed accounts, mortgage, credit cards, car finance, loan accounts and even accounts that are with Debt Collection Agencies and Bailiffs!!!!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

If you already have your statements then you can start by sending them the Prelim letter.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

 

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Hope this helps

 

 

And just to make you feel focused - I had full settlement this morning from them over £2.5K!!!!!

 

Keep going it works!

 

Good Luck