Thanks. Most of the money will settle the overdraft on the account that FD closed.

Thanks and good luck with your claim! It took about a month from first letter to offer – and I didn't have to get legal with FD.

Hi I've successfully claimed my charges back, so can you change my thread title 'Lenny1303 vs First Direct' It took just 2 letters, with threat of legal action and interest to settle mine. Thanks for the inspiration on this site, I'll sort out a donation.

*** S U C C E S S *** 15 Feb – sent off my letter stating offer not acceptable, only as part payment, and threatening court action and added interest. 23 Feb – received offer for full amount of almost £1900 I'm amazed I didn't have to go as far as legal action as many others seem to have! Thanks to CAG and all those who are providing inspiration for others to claim back charges. Don't give up! 8-)

Thanks, I'll check my sums again – as the standard letter didn't give any reasons for the full amount not being offered.

Hi Just received an offer from FD for about £1500 – I was claiming £1900. Not a bad offer from my first letter asking for refund, as it's about 80% – I was expecting less. Should I now send an LBA threatening legal action and added interest? This seems to be what many people do to get a full (or almost full) offer.

Just received an offer of about £1500 and I was claiming £1900. Not a bad offer from my first letter asking for refund as it's about 80%. Should I now send an LBA threatening legal action and added interest? This seems to be what many people do to get a full (or almost full) offer.

Hi I think the overdraft fee is when you go past your agreed limit, the excess is when that position stays for more than a day. I'm not 100% sure, but I included both in my claim. I've just received an offer for just over 80% of what I requested. Good Luck with your claim!

Congratulations! Yeah, my business account is with HSBC, so easy to transfer funds – I was relieved I could open a current account with them as well.

Now it's my turn! After receiving a pile of statements from FD, my first letter requesting a refund is in the post today. I started with FD 11 years ago and was always impressed with the service - despite some charges. I'm self-employed and last year had a few problems keeping within limits etc - even though I was always calling to explain when money would be coming in. It ended with them freezing the account in November I quickly opened an account with HSBC then heard through moneysavingexpert.com about claiming charges back and this site. All really good stuff and time for me to hit back! So, I have a 14 day wait until my next move....