MondeoST24 Vs First direct - SETTLED IN FULL 24/04/06

MondeoST24 · 10th February 2006, 11:11

Have today sent the pro-forma letter to First Direct requesting my charges back for the last six years. Will keep you posted of any developments.

Out of interest has anyone else any news of First Direct, what can I expect?

Docubot · 10th February 2006, 11:18

I cannot talk about my experience with them as I am bound by confidentiality.

I can say though, that on the phone the other day, they claimed that it costs THEM ï¿½37.50 to return a DD or SO unpaid.

Odd, their parent company (HSBC) can do this for the much more 'efficient' charge of ï¿½30. Perhaps they should look to them for guidence on how to do nothing more cheaply.

Still, their customer service is second to none - that is true. They may not have the best interest etc... (and certainly not the worst either), but I stay with them for the simple reason that I can phone them up at any time of day or night and within 4 rings I am speaking to a person who both can undertand me and whom I can understand clearly.

If only they stopped punitive charging, they could be the 'EasyJet' of banking. They could go from being a small child company of HSBC to probably one of the biggest overnight - IMHO. There are over 250 members of this site that would most likely open an account with them if they did this.

Good customer service AND acting within the law - wow! - Imagine that! (not a lot to ask really is it?) Shame it won't happen (volunterily, at least

)

MondeoST24 · 15th February 2006, 23:23

Recieved standard, "thankyou for your recent letter" letter today and a leaflet about "how we will handle your complaint"

It promises an answer within 10 working days.

Fingers crossed

MondeoST24 · 27th February 2006, 15:05

Another letter,

"I am writing further to your letter dated * February and our reply of * February.

Our enquiries are taking longer than originally anticipated, but I will ensure you recieve a further response within the next seven working days.

In the meantime, may I take this opportunity to thankyou for your paitence, whilst awaiting our reply"

Hmm, what can be taking so long

BankFodder · 27th February 2006, 15:50

Are these replies to your Data Protection Act request?

MondeoST24 · 27th February 2006, 17:06

They are replies to the original letter from the library, the one which starts by asking for money back then goes on to say, if you do not accept my offer of settlement then send me list of charges under Data Protection Act.

vix2000 · 28th February 2006, 02:15

we had the 10 working day letter, so replied giving them the 10 days but stressed that court action will be taken on the 11th day. Will keep you informed.

BankFodder · 28th February 2006, 05:56

Quote:

Originally Posted by MondeoST24

They are replies to the original letter from the library, the one which starts by asking for money back then goes on to say, if you do not accept my offer of settlement then send me list of charges under Data Protection Act.

Send them another letter poitning out that they should be now dealing with the Data Protection Act request which was dated XXDATEXXX and there are XX days to go.

That Data Protection Act letter has been replaced in the library.

vix2000 · 28th February 2006, 14:46

Do you know that you can get all your statements online without asking the bank?

MondeoST24 · 1st March 2006, 18:17

Mine only go back to 2003

vix2000 · 1st March 2006, 23:29

sorry, my daughter only opened her account in 2004 so didn't go any further back. It was FD's customer services that tols her she could get them online but didn't know if there was a cutoff date.

MondeoST24 · 1st March 2006, 23:56

Yes, appears to be 3 years

Neal · 2nd March 2006, 16:11

Hi there, I sent FD the standard letter on the 17th, asking for charges and interest on both my own and a joint account to be refunded. Got a yada-yada letter back, that I'd be happy to post if anyone is interested, offering me 95 of the 260 (plus 8% interest) I'm claiming was unlawfully removed from my account. Sent them back a letter thanking them for their time, pointing out a few inconsistencies in their arguments but basically saying the bottom line is I want my money back. Haven't heard back though the 95 quid has appeared in my account, so I'm going to raise an action tomorrow in the Edinburgh Sheriff Court. Will keep you posted. Their game plan appears to be offer a wee something, stall, then just ignore. So be it. Can't ignore a court action. Would recommend contact in any case.
Neal

BankFodder · 2nd March 2006, 18:51

Quote:

Originally Posted by Neal

Hi there, I sent FD the standard letter on the 17th, asking for charges and interest on both my own and a joint account to be refunded. Got a yada-yada letter back, that I'd be happy to post if anyone is interested, offering me 95 of the 260 (plus 8% interest) I'm claiming was unlawfully removed from my account. Sent them back a letter thanking them for their time, pointing out a few inconsistencies in their arguments but basically saying the bottom line is I want my money back. Haven't heard back though the 95 quid has appeared in my account, so I'm going to raise an action tomorrow in the Edinburgh Sheriff Court. Will keep you posted. Their game plan appears to be offer a wee something, stall, then just ignore. So be it. Can't ignore a court action. Would recommend contact in any case.
Neal

Please will you not hijack someone else's thread. Start your own thread. It makes it difficult and time consuming to support you and for others to follow your story.
You may atone by contributing to our book fund.

Neal · 3rd March 2006, 19:07

Er, Bankfodder, I'm not hijacking anyone's thread, I'm replying to a post and adding my own experience to support Mondeo in his actions, show what I've been doing. I've posted this story already as my own thread, and this is an update to that. Thought, not unreasonably, that folks viewing this thread and interested in FD information might find my experiences helpful.

You can 'atone' by apologising for your misapprehension and accusing me of doing something I had no intention of doing.

Neal

BankFodder · 3rd March 2006, 20:46

Quote:

You can 'atone' by apologising for your misapprehension and accusing me of doing something I had no intention of doing.
Neal

Fair do's. I'll contribute Â£5.00 to our own book fund. Would you like to match me?

Neal · 4th March 2006, 04:22

I'll do better than that, I'll double you! Ten quid coming your way. How did you get on today? Sorry, this is not on this thread but want to know how it went.
Neal

BankFodder · 4th March 2006, 09:49

A bit sporty.
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