Morning peeps.
Well waddya know?
Got a letter this morning...
14 May 2006
Dear Mr Mindbomb,
Account: Mr Mindbomb Number: XXXXXX-XXXXXXXX
Despite my previous letters, I am concerned that your acount is now £1254.77 overdrawn without prior agreement. This balance may not include any payments you have made to your account today or any pre-notified and accruing charges.
As I am not prepared to see this debt increase, I regret that I have no alternative but to withdraw all of your banking facilities. I require the immediate return of any unused cheques, together with all First Direct cards, which you should cut in half for security purposes. This will prevent the appointment of an Agent to collect them from you, with all the associated costs being debited to your account.
Any overdraft facilities are now cancelled, as are all direct debits, standing orders and automated bill payments which were previously paid from your accounts. Should you currently use the internet banking or internet sharedealing service, these will be restricted to'read only' until further notice. You will still be able to view your account(s) and send electronic messages to us.
If you presently subscribe to firstdirectory, this will be cancelled 30 days from the date of this letter, at which time all benefits associated with the package will cease. I can confirm that, as a result of this cancellation, you will cease to be covered by the travel insurance or mobile phone insurance provided under firstdirectory and so you should consider seeking alternative insurance cover where appropriate.
As I now require your proposals for repayment of the outstanding debt, please complete and return the enclosed Financial statement within the next seven days. Alternatively you may telephone the details to the Credit services team on 08 456 100 189. We will review your overall financial position, consider cases of hardship sympathetically and do all we can to ensure that an acceptable repayment programme is agreed.
Unfortunately, failure to respond to this letter may result in details of your accounts being passed to Credit Reference Agencies. These agencies supply information to lenders in order to establish an individual's credit history. Lenders then use this information to help decide whether or not to accept applications for credit from their customers. If details are given to Credit Reference Agencies, you may find it difficult to obtain credit elsewhere in the future.
It is important that we agree a way forward as soon as possible, particularly as charges will continue to accrue in the meantime. I therefore look forward to your prompt response.
Yours sincerely
Chris Broom
Head of Credit Services
Now I'm feeling punchy. Especially as I have another account with £860 worth of charges to reclaim
as well as others for this account (that don't amount to much) and no doubt older ones that have previously been left off my claim. My account has been with them since 1997.
What do you think?
My OD up to this point was £800.
Mindbomb -v- First Direct **BIG ONE WON** 
