Prosecuted for using 11-15 zip oyster

[Manxman in exile]

Just as a precaution (in case the TOC come back to you and query it) I'd check with Nationwide that your account was in fact "frozen". 

 

I can understand the card being cancelled and, perhaps, your 'phone app (is it connected to that particular card in some way?) but I'm pretty sure you would still have had access to the account, as honeybee suggested. 

 

Cheques and transfers, DDs and standing orders etc should still have been operative. 

And with sufficient ID I'd have thought you could withdraw cash at a branch.

 

I'm just pointing this out to ensure your explanation is consistent and hangs together. 

It's possible you mistakenly believed it was frozen because of the way the NW call handler explained it to you. 

(eg they meant to say your phone app would be temporarily frozen - not your account - until you activated the replacement card).

 

EDIT: 

what I'm trying to say is that I wouldn't want to suggest to anyone that my account had been "frozen" by my bank if in fact it hadn't been.