Dubliner10 v FD

**dubliner10** · 29th December 2006 14:47

Hi,

I've taken the first Step and sent my SAR icon

with Postal Order to First Direct by recorded delivery.

Will keep you posted.

Oh and is it 40 working days from receipt of request or 40 caledar days does anyone know

Similar Threads:

**Rooster-UK** · 29th December 2006 15:11

Just 40 days as the clock ticks.

**dubliner10** · 29th December 2006 15:54

Cheers Rooster. One final question for anyone out there (well for today anyhow). Our a/c with FD was closed about 18 months ago, and we are now repaying a debt to them (via debt collection icon

company) by debt management icon

Plan. Is it likely that FD could choose to get shirty any decide they no longer wish to accept the dmp icon

(through Payplan).

Dub

**Rooster-UK** · 29th December 2006 17:30

Sorry for the delay... the server went down.

It is always possible, but it might be worth posting this question in the Debt and bailiffs icon

forum as they have had more dealings with debt management icon

schemes.

Regards, Rooster.

**dubliner10** · 4th January 2007 22:32

Typical, nothing I have ever posted has been lost in the post before. I sent my SAR icon

by 1st class recorded on the 29th Dec and when I checked on the internet it still hasn't been delivered, yet the BOS SAR icon

has been delivered. Bloody Royal Mail. Going to wait a week and send another.

**dubliner10** · 6th January 2007 13:46

Progress!. First Direct have returned my £10 postal order, and a letter to say they are sending my statements by courier. Watch this space. That said I've just gone overdrawn with Smile and they're about to levy icon

£40 charges...you can't win against these b***ards.

**dubliner10** · 15th January 2007 23:37

Have my statements - arrived today. Without adding the 8% interest icon

- they owe me over £3000 (robbin gits!) that according to the spread sheet is over £4500inc. 8% when they no doubt push it as far as the court stage.

Am I right in thinking I next send a letter before action icon

(LBA)? and see what reply I get?

**imw7659** · 16th January 2007 16:21

No,send a Prelim Letter before lba icon

.Check the tempaltes section for an idea of what you send to them.

**dubliner10** · 16th January 2007 16:28

Cheers imw - I realised as soon as I asked the question that I had my SAR icon

, lba

and ABCs slightly muddled. lol

**imw7659** · 16th January 2007 16:31

It can be confusing as i have found out myself!!!!

**dubliner10** · 19th January 2007 19:19

Have received the standard letter - we will respond within 10 days blah blah. Well they've got until the 8th Feb before Mr lba icon

comes a'visitin...

**ClintMccutcheon** · 20th January 2007 09:56

i got that letter, and didnt get a reply afterwards, had to send my lba icon

2 days ago!

**dubliner10** · 24th January 2007 20:55

Hi all,

Have sent Prelim off, and starting to get a bit twitchy. Does anyone else owe FD money. We owe them money for an OD and loan when we left the account, and I'm a bit nervy about what they'll do if it goes as far as the court stage.

Dubliner

**dubliner10** · 29th January 2007 17:56

Haven't heard diddly from FD. Mr lba icon

looks like he needs to pay them a visit on Thursday.
Just did a quick tot up of our Nationwide icon

a/c and as the computer sattements only go back to Nov 04 I have found £1800 so far!! so another three and a bit years should be interesting when I send an SAR icon

for them.
:o

**dubliner10** · 1st February 2007 09:37

Oooooh in the nick of time. A tad excited. Had a letter today offering £1615, when I am claiming £3XXX. The are rejecting my claim for Recall Fees (which exceed £1700).

"I note you have included Recall Fees totalling £XXXX. In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or to exceed a =n agreed overdraft icon

limit, we have to consider whether to make this payment......". I take this is a standard stalling tactic.

Am I right in thinking I should reply accepting the initial offer in part settlement, amd proceed with my lba icon

as well?

The money is tempting, but if they push it as far as court it would be £4800 with 8% interest.
Any advice gratefully received.

Dub

**j111cko** · 1st February 2007 19:46

I have recieved the exact same letter today offering me 75% of the £3k+ owing. This however is only 2 weeks after sending prelim letter off and Breakdown icon

of charges.

**dubliner10** · 7th February 2007 18:42

Royal mail .....aaagghhhhhhh!!!

Sent lba icon

and letter rejecting offer on the 2nd Feb (5 days ago!) by 1st class recorded. Just checked on Royal Mail website - nothing!!
Same thing happened with SAR icon

and Prelim. Only way I know they received mail was by their reply.
Just have to wait and see what happens over the next couple of weeks. The prelim I posted to Bank of Scot was posted on same day wasn't delivered until today - 5 days first class.
Unbelievable aren't they!

**dubliner10** · 12th February 2007 11:54

Another partial offer! They've offered me a figure £1600 short of the sum I am reclaiming. An increase of £200 on the last offer.

I am due to file a claim at court on Wednesday. God ....turning down £2000!!

**j111cko** · 13th February 2007 17:56

Just to let you know as our time lines are similar. I received a full offer today, an increase of about £900 on the figure offered to me last week. Stick with it, they will crack.

**dubliner10** · 16th February 2007 22:16

Filed my MCoL today. Time to sit back and wait and see the fireworks....
Just have to start getting the court bundle together.
Tick tock.......

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