Never mind - have spoken directly to the solicitors and been advised that a fax is perfectly acceptable.

Asked this in another thread, just want to be clear - can I fax a refusal, or is it advisable to stick with post?

Same situation here. Have written a response covering the fact I am entitled to the full claim and will pursue if not received. On top of this, I have stated that the confidentiality agreement is unnecessary and asked for the solicitors to inform me of their clients decision as soon as possible. Is a faxed copy acceptable, or is it advisable to stick with post? I can't imagine it makes much difference.

Thanks for the advice - decided it is worth spending the money in the first instance, as I am wholly convinced I am in the right. I have spoken to FD on a number of occasions actually citing the unfairness and have always been tossed aside, or asked to sit through 15 minute "financial appraisals" - sometimes I have conceded and gone through it, but have inevitably arrived at the other side no better off - on more than one occasion, I have had to fork out more for increased Overdraft limits!! The whole thing stinks to me and I am more than happy to go to court, as I simply cannot believe what banks get away with. I still have debts incurred as a student due to the responsibility-free stance of the banks - it was almost "here's free money"! Anyway, I shall keep this website updated. Thanks for the response. Kind regards, Neil.

Hi all, Having recently taken initial action and then sent a follow up letter, I have been rejected pretty much out of hand. I am sure someone out there will be familiar with Robert Kernaghan, of First Direct. He is now citing "Part 2: Operating your Accountm Clause 6.9" at me. I have, in the past, complained about charges as unnecessary, over the top and wholly unhelpful to my financial cause. Naturally, these complaints have, for the most part, fallen on deaf ears. This rejection was sent, complete with details of the Financial Ombudsman for my 'perusal', though they do "accept this letter will not provide the response that (you) hoped for." Has anyone else seen a similar letter and, if so, what would be my course of action now? Finding £150 immediately to begin the court proceedings is difficult, but if I must, then I must. I am convinced that I am in the right here and have no intention of giving up - any advice on this forum will be greatly appreciated. Neil.