Hi, I have just received the same reply from First Direct saying that thay will not pay recall charges and my claim is for £3308- the recall charges make up £1200 of that.I did't know what to do as the letter said that I wasn't entitled to these and therefore they would only offer £1700 I'm glad to see that I can reclaim them and will reply saying that. Let's hope they pay the full amount.Do I now just send a reply saying that the recall charges are unlawful and request they pay the full amount or I'll start court proceedings?:?