NATIONWIDE

[mintymagic]

I HAVE HAD ALOT OF UNPAID CHARGES MADE TO MY ACCOUNT OVER THE LAST TWO MONTHS.£150.00 JUST GONE AND ANOTHER £200 COMING OUT NEXT WEEK.

CAN SOMEONE HELP ME TO SEE HOW I CLAIM IT BACK AS NOT TO SURE HOW TO GO ABOUT IT

MY E-MAIL IS maddp2@bp.com

 

THANK YOU

 

Patrick

[citybloke]

Read the FAQ's first - This is highlighted in RED

[Bookworm]

Read the FAQ's first - This is highlighted in RED

 

Well done, you got there 1st

 

Welcome, mintymagic.

 

Let us know how you get on. We're quite happy to help, but help yourself 1st!

[moxie]

Good luck, I just got £120 refunded from Nationwide and a further £150 that they were going to take out this month, cancelled. If I can do it, anyone can

[mintymagic]

Hi like the rest of you i got the first letter telling me basically it was my fault for running up the unpaid charges and i won't be geting a penny back.

 

I am not sure where to find the second stage letter anis it best to e-mail them as i have that bacon chaps e-mail who is the solicitor for nationwide.

 

Any advice as bit of a wally when it comes to this.

ThankS

[mintymagic]

I have now just posted and e-mailed my letter before action and hopefully i get more response from them this time.

 

Will keep you posted

[Dave Johnson]

Did you read my PM?

Cheers

Dave

[mintymagic]

yes i read yours....i hope i get something out of this as i have asked for £935 in charges to be refund for a 2 year period,have sent the second letter by email to mr bacon the solictor for nationwide and also i have posted it.

 

If i have another bad response then it has to be the small claims court so fingers crossed and lets see what happens

[Dave Johnson]

Do you mean return of charges illegaly taken?

Cheers

Dave

[mintymagic]

yes,blimey u sound like my old school teacher

[mintymagic]

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: ********

SORT CODE : ** ** **

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last 2 years

I now understand that the regime of charges which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

What I require

I calculate that you have taken £923.50 plus £36.56 which you have charged me in overdraft interest for the sum which you have taken. Total £960.06p.

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

 

 

 

 

 

 

Yours faithfully,

[mintymagic]

Nationwide Building Society

PO BOX 2098

Swindon

SN1 5TY

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: ********

 

I now understand that the regime of 'fees' which you have been applying to my Flex account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to Statute.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated the account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £923.50 plus £36.56 which you have charged me in overdraft interest for the sum which you have taken. Total £960.06

 

 

I require repayment of this money. If you do not return it to me in full within 14 days that I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

Regards,

[markgray]

Hi, i am new to the site, i am also just about to right to my bank, which is also Nationwide asking for my illegally taken charges to be returned.

 

Good luck with your claim, i will keep an eye on this thread to see your outcome

 

Regards

 

Mark

[mintymagic]

WOW DID I HAVE A SHOKE WHEN I WENT ON MY INTERNET BANK THIS MORNING FOLLOWED BY A LETTER BY NATIONWIDE ....READ BELOW...

 

Re: Flex Account ********

 

 

Thank you for your e-mail addressed to Charles Bacon datd 30th March 2006 he has passed this on to me to response and keep him informed in relation to charges on your flex Account.

 

I can confrim that we have refunded today the amount £960.06 to the above account today.

 

If you have any further queriesdon't esitate to call me. My contact number is ***** ****** and my address is at top of the letter

 

 

 

 

WHAT A RESULT I ASK FOR FULL AMOUNT BY E-MAIL ON THURSDAY AND GOT IT TODAY,SO I AM VERY HAPPY.

 

WICKED

[Dave Johnson]

Brilliant.

Well done.

Dave.

[dave]

Superb - glad to be of service ;-)

[joneshousehold]

Fantastic news! Did that letter from Nationwide come from Mr Bacon himself?

[mintymagic]

No he passed it on to Tina Hiscocks Branch service manager team 4 swindon,but i sent e-mail to him and letter also . Hope this helps .

[joneshousehold]

Thanks for that. When I send my letter before action I shall ask the person to refer to Mr Bacon as I know he has authority to approve!!!!

[kelgt]

Excellent result!

I'm currently in the process of sending my first letter off tomorrow. Would you recommend I deal with Mr Bacon right from the start? Seems he's very quick at avoiding the possible court action!

Also what you gonna spend that lovely cash on?

[mintymagic]

I sent LBA to him by e-mail and there is no harm in sending the first,but once everyone gets wind of his e-mail this guy is gonna have some overtime.

 

Not gonna spend any yet gonna keep for raining day but moved to another bank account in cast they change they minds...

 

Good Luck

[Spiceskull]

Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks

[amg4jag]

Hi, Never posted before. Just to let you know i got £60 refunded and £60 of fees due to be taken cancelled.

All it took was the first letter asking for a refund. There was no argument and they just credited my account. No come back or detriment to my account either!

[mintymagic]

This topic was closed on 03/06/19.

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