hello all
Does anyone know anything about fighting banks over unauthorised direct debits??? Back in May 06, Dh was going to set up a direct debit using our joint account with Nationwide, the company it was for sent him a form to sign with all the details on but at the last minute dh changed his mind and used a different account with a different bank and so we shredded the form and were under the impression that that was the end of it until 2months later i got a letter from Nationwide telling me that i was being charged for an unpaid direct debit. I went to see them, told them it should never have been set up and they supposedly cancelled it. The following month i got another letter saying that as i hadnt paid the charges from the previous month that i now owed more and that the direct debit had once again gone unpaid and therefore i had that charge to pay on top too. Cue another trip to the bank where i once again explained the direct debit should never have been set up, i even put it in writing yet still the following month i got another shitty letter. This went on until i wrote a very verbal letter to head office threatening to take legal action if the matter wasnt sorted and the account closed. For the past four years i have heard nothing about it until last week when i got a letter from a debt collection agency asking for £439. I went to speak to the manager at Nationwide, who after trying to look back into it all decided she couldnt do anything and that i would need to phone head office. After 3 attempts and 56mins on the phone i found out the account is still open and the direct debit was still set up, yet i havent had so much as a single letter/statement regarding the account in 4yrs and Nationwide now have to try to trace all records to see what can be done. If anyone has any advice i would be very grateful. I think once this is sorted i will be looking for another bank which is a shame as ive been with them for 21yrs and the kids account are with them too but this has really annoyed us.
On a lighter note Ive been looking at LG&Ts pics of the meet up on fb, its hard to believe that when we all first 'met' none of the little ones were around, hasnt the past few years just flown by? A has her dates for all her visits in regards to starting pre-school and on Tuesday we are going to the open evening so she can meet her 'teachers'. She is so excited, she cant wait. I know she is more than ready but its horrible thinking she is at that stage in life already. I was watching her play with E and D today and she just looked so grown up, a lot older than 3 They just dont seem to stay babies for long.
Speaking of which D is an absolute nightmare, i swear he is part monkey, the way he just seems to be able to climb absolutely anything. He has just found out he can climb the stairgate although luckily he hasnt been able to get right over but i know it wont be long, he is so determined. I definately know i have him lol.
I hope everyone is well and enjoying the summer hols even though the weather has been pretty crap some days, typical british summer lol