Legal
Payment difficulties
If you find yourself in financial difficulties, visit our help and advice section.
Important information
Calls may be recorded. Provision of these credit facilities does not confer membership rights in Nationwide Building Society.
Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority. If you change your mind about your Nationwide credit card within 14 days from the day after you receive a copy of the executed credit agreement and credit card from us, you have the right to withdraw from your agreement. You must notify us of your intention to withdraw from this agreement either by writing to us at Nationwide Building Society, Credit Card Services, PO Box 8738, Wigston, LE18 9BG or by phoning us on 08457 998899.
If you give us notice to withdraw, you must repay the amount you owe us without delay and no later than 30 calendar days from the day after giving us notice. The amount you owe us will be the amount outstanding on your account up to the date you repay the amount you owe plus any interest that has accrued on it up to the day you make your payment to us.
Where we carry out a search about you at a credit reference agency, the agency will record details of this search and this information will be made available to other organisations to which you may apply for credit. However, you should be aware that multiple credit searches on your credit reference agency records may make it difficult for you to obtain credit elsewhere.
If you have taken out payment protection insurance we may restrict or prohibit the use of your credit card if you claim a benefit from this insurance.
Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW
How to make a complaint
If you ask us, we will tell you how to make a complaint and how quickly we will deal with it. If we cannot settle the complaint to your satisfaction, you may ask the Financial Ombudsman Service to look into it. You can contact them both at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
The Lending Code covers good practice in relation to loans, credit cards and current account overdrafts. It does not apply to non-business borrowing secured on land or to sales finance. The Code contains key commitments and detailed notes on how customers should be dealt with through the whole product life cycle, from marketing and account opening, maintenance and the provision of information on changes to term, conditions and interest rates. Important protection is also included to help when something goes wrong, including when someone is experiencing financial difficulties.
Nationwide Building Society subscribes to the Lending Code. For more information please visit the .