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Hi
I am new to this site, so I hope you'll bear with me.
I submitted my claim for a refund to Nationwide just before the start of the test case, it went on hold along with everyone elses.
for the past 18months my business was going downhill and my personal finances were taking a battering as a result.
In july 2008 I formally left the business and my income dropped, some time later I asked nationwide to look at my complaint as I was in financial hardship, they responded saying I wasnt in hardship as my income exceeded my expenses, at this point I had not provided them with a financial statement and had stopped using my account with them.
I replied basically stating this and said I would supply them with a financial statement if required, to this I received a standard, we are unable to refund letter.
I again replied explaining I was asking them to look at my case for hardship, at this point I received a request for income and expenseswhich I supplied.
I then received a letter saying they were looking into it and would respond by 28th nov 08. By this point I was £80 overdrawn due to charges.
I received a reply saying they agreed I was in financial hardship, and would refund £80 of charges (convenient figure) but could not refund the £1800 odd I had asked for as I had only been in hardship since august and charges incurred prior to this were from bad account management, This was their final response.
I submitted a complaint to the ombudsman, telling them about the fobbing off I had received from nationwide during my complaint whilst tryin g to get them to look at my hardship case, and that the refunded had conveniently just been enough to cover the overdraft.
I have today received the response from the ombudsman, stating they agree with nationwide, and that their only obligation is to assess whether or not you are in hardship, what they do about it is up to them!
No mention of the main part of the complaint about how my complaint was handled etc.
I have replied to the ombudsman saying all this and that I disagree with their decision and asking them to look at it again.
Sorry for rolling on, but what can i do if the ombudsman refuse to change their mind?
I think the way the waiver is worded is a complete cop out for the banks and offers nothing for the people who are still being ripped off.
I am new to this site, so I hope you'll bear with me.
I submitted my claim for a refund to Nationwide just before the start of the test case, it went on hold along with everyone elses.
for the past 18months my business was going downhill and my personal finances were taking a battering as a result.
In july 2008 I formally left the business and my income dropped, some time later I asked nationwide to look at my complaint as I was in financial hardship, they responded saying I wasnt in hardship as my income exceeded my expenses, at this point I had not provided them with a financial statement and had stopped using my account with them.
I replied basically stating this and said I would supply them with a financial statement if required, to this I received a standard, we are unable to refund letter.
I again replied explaining I was asking them to look at my case for hardship, at this point I received a request for income and expenseswhich I supplied.
I then received a letter saying they were looking into it and would respond by 28th nov 08. By this point I was £80 overdrawn due to charges.
I received a reply saying they agreed I was in financial hardship, and would refund £80 of charges (convenient figure) but could not refund the £1800 odd I had asked for as I had only been in hardship since august and charges incurred prior to this were from bad account management, This was their final response.
I submitted a complaint to the ombudsman, telling them about the fobbing off I had received from nationwide during my complaint whilst tryin g to get them to look at my hardship case, and that the refunded had conveniently just been enough to cover the overdraft.
I have today received the response from the ombudsman, stating they agree with nationwide, and that their only obligation is to assess whether or not you are in hardship, what they do about it is up to them!
No mention of the main part of the complaint about how my complaint was handled etc.
I have replied to the ombudsman saying all this and that I disagree with their decision and asking them to look at it again.
Sorry for rolling on, but what can i do if the ombudsman refuse to change their mind?
I think the way the waiver is worded is a complete cop out for the banks and offers nothing for the people who are still being ripped off.
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