Ask Sindie: 'My new cards went round the globe and back'

The trials of replacing stolen plastic... and when solicitors have second thoughts


Q: I am at my wits' end over my Nationwide building society credit card account.

My bag was stolen in Lewisham, south London, recently and I had to cancel all my credit and debit cards. No fraudulent transactions took place, but I have had huge problems replacing my cards and getting my online banking facility to work properly again.

It took two weeks for me to get a replacement debit card, and my credit card still hasn't been sorted out - I can't access the account details on my home computer.

And the direct debit from my bank account to pay my credit card bill has yet to be reinstated.

I have made several visits to Nationwide's Lewisham branch and sent emails to Nationwide via its secure website but have heard nothing. Can you help?

AB, via email

A: Your case shows how a single moment of misfortune can lead to weeks of woe. But, after some investigation by Sindie, it seems that not all the hazards you had to negotiate in your quest to get your accounts restored were necessarily the fault of Nationwide.

The first problem was your use of a different first name on your various accounts to the one used to sign your emails. This meant Nationwide could not easily locate your accounts.

Your new Flexaccount debit card did take a while to reach you, but Nationwide says it tells customers that a replacement card can take up to 10 working days - and the card did arrive within that limit.

The credit card proved more problematical. Your registered address for this card is in New Zealand, where you spend half of each year. Nationwide explains that, for security reasons, its processing centre is not able to send replacement cards overseas.

Cards are therefore sent to the holder's local UK branch and, accordingly, yours was sent to Lew-isham. Unfortunately, an industrious Nationwide staff member then looked up your registered address and dispatched the card to New Zealand before you could come in to fetch it.

When this mistake was realised, the replacement card had to be cancelled and yet another ordered.

Because you did not want to have to collect the card from the branch - another lengthy trip for you - this new card is to be sent to your UK home address.

As for being locked out from your credit card details, this is down to discrepancies between the addresses on your current and credit card accounts. Nationwide's computer did not recognise the two accounts as belonging to the same holder, so did not display them simultaneously.

Nationwide says it has rectified this, and now you should be able to view both accounts online.

Finally - phew! - the direct debit to pay off your credit card bill has at last been reinstated. This problem arose due to the switching of the payment order from the first replacement credit card (the one that accidentally went to New Zealand) to the second.

It just took a while to catch up. Two payments to Halifax went awry in the meantime but have since been sorted out.

Your account should now be working smoothly.

Q: During the summer I purchased a house, at which time my solicitor issued a statement to clarify the balance that I needed to settle to complete the purchase. This included the deposit, legal fees, disbursements et al.

I paid the balance at the time of completion. Now, some eight weeks later, my solicitors have written to me with an amended completion statement. They are asking for a further payment of around £150.

It seems that the additional money relates to their costs for obtaining local authority searches, for which their original estimate was incorrect.

Are they entitled to come back to me requesting more money in this way?

DR, via email

A: Solicitors' charges have always been a bit of a grey area because some of the costs quoted at the outset are usually estimates, and solicitors will not know exactly how much they have to pass on in charges until they have actually undertaken the work.

However, your complaint hinges on a slightly different question - the stage at which these costs were firmed up and presented to you for payment.

The Law Society Regulation Board - soon to be renamed the Solicitors Regulation Authority - says that the final figures should certainly be clear by the time you receive your completion statement.

It therefore looks as if your solicitor might have missed his chance to adjust his charges if he got his sums wrong, and you could have grounds for a complaint if he tries to come after you with an extra bill as an afterthought.

Go back to the firm involved and take the matter up with the person authorised to handle complaints. All solicitors' firms have to have a complaints handling procedure.

If the problem is not dealt with to your satisfaction, your next port of call should be the Law Society's consumer complaints service.

If you need help from our consumer champion, write to Annie Shaw at The Independent on Sunday, Independent House, 191 Marsh Wall, London E14 9RS or email sindie@independent.co.uk. We cannot return documents, give personal replies or guarantee to answer letters. We accept no legal responsibility for advice given

News
people'It can last and it's terrifying'
Sport
Danny Welbeck's Manchester United future is in doubt
footballGunners confirm signing from Manchester United
Sport
footballStriker has moved on loan for the remainder of the season
News
people Emma Watson addresses celebrity nude photo leak
PROMOTED VIDEO
Sport
footballFeaturing Bart Simpson
News
Katie Hopkins appearing on 'This Morning' after she purposefully put on 4 stone.
peopleKatie Hopkins breaks down in tears over weight gain challenge
Arts and Entertainment
Olivia Colman topped the list of the 30 most influential females in broadcasting
tv
News
Kelly Brook
peopleA spokesperson said the support group was 'extremely disappointed'
Life and Style
techIf those brochure kitchens look a little too perfect to be true, well, that’s probably because they are
Sport
Andy Murray celebrates a shot while playing Jo-Wilfried Tsonga
TennisWin sets up blockbuster US Open quarter-final against Djokovic
Arts and Entertainment
Hare’s a riddle: Kit Williams with the treasure linked to Masquerade
booksRiddling trilogy could net you $3m
Arts and Entertainment
Alex Kapranos of Franz Ferdinand performs live
music Pro-independence show to take place four days before vote
News
news Video - hailed as 'most original' since Benedict Cumberbatch's
News
i100
Life and Style
The longer David Sedaris had his Fitbit, the further afield his walks took him through the West Sussex countryside
lifeDavid Sedaris: What I learnt from my fitness tracker about the world
Finacial products from our partners
Property search
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Planning Manager (Training, Learning and Development) - London

    £35000 - £38000 per annum + benefits: Ashdown Group: A highly successful, glob...

    Business Anaylst

    £60000 - £75000 per annum + BONUS + BENEFITS: Harrington Starr: Business Anal...

    SQL Implementation Consultant (VB,C#, SQL, Java, Eclipse, integ

    £40000 - £50000 per annum + benefits+bonus+package: Harrington Starr: SQL Impl...

    Head of IT (Windows, Server, VMware, SAN, Fidessa, Equities)

    £85000 per annum: Harrington Starr: Head of IT (Windows, Server, VMware, SAN, ...

    Day In a Page

    'I’ll tell you what I would not serve - lamb and potatoes': US ambassador hits out at stodgy British food served at diplomatic dinners

    'I’ll tell you what I would not serve - lamb and potatoes'

    US ambassador hits out at stodgy British food
    Radio Times female powerlist: A 'revolution' in TV gender roles

    A 'revolution' in TV gender roles

    Inside the Radio Times female powerlist
    Endgame: James Frey's literary treasure hunt

    James Frey's literary treasure hunt

    Riddling trilogy could net you $3m
    Fitbit: Because the tingle feels so good

    Fitbit: Because the tingle feels so good

    What David Sedaris learnt about the world from his fitness tracker
    Saudis risk new Muslim division with proposal to move Mohamed’s tomb

    Saudis risk new Muslim division with proposal to move Mohamed’s tomb

    Second-holiest site in Islam attracts millions of pilgrims each year
    Alexander Fury: The designer names to look for at fashion week this season

    The big names to look for this fashion week

    This week, designers begin to show their spring 2015 collections in New York
    Will Self: 'I like Orwell's writing as much as the next talented mediocrity'

    'I like Orwell's writing as much as the next talented mediocrity'

    Will Self takes aim at Orwell's rules for writing plain English
    Meet Afghanistan's middle-class paint-ballers

    Meet Afghanistan's middle-class paint-ballers

    Toy guns proving a popular diversion in a country flooded with the real thing
    Al Pacino wows Venice

    Al Pacino wows Venice

    Ham among the brilliance as actor premieres two films at festival
    Neil Lawson Baker interview: ‘I’ve gained so much from art. It’s only right to give something back’.

    Neil Lawson Baker interview

    ‘I’ve gained so much from art. It’s only right to give something back’.
    The other Mugabe who is lining up for the Zimbabwean presidency

    The other Mugabe who is lining up for the Zimbabwean presidency

    Wife of President Robert Mugabe appears to have her sights set on succeeding her husband
    The model of a gadget launch: Cultivate an atmosphere of mystery and excitement to sell stuff people didn't realise they needed

    The model for a gadget launch

    Cultivate an atmosphere of mystery and excitement to sell stuff people didn't realise they needed
    Alice Roberts: She's done pretty well, for a boffin without a beard

    She's done pretty well, for a boffin without a beard

    Alice Roberts talks about her new book on evolution - and why her early TV work drew flak from (mostly male) colleagues
    Get well soon, Joan Rivers - an inspiration, whether she likes it or not

    Get well soon, Joan Rivers

    She is awful. But she's also wonderful, not in spite of but because of the fact she's forever saying appalling things, argues Ellen E Jones
    Doctor Who Into the Dalek review: A classic sci-fi adventure with all the spectacle of a blockbuster

    A fresh take on an old foe

    Doctor Who Into the Dalek more than compensated for last week's nonsensical offering