thanks for putting my mind at rest. Bev

Hi just to give you a quick update. First Direct have acknowledged the claim and have decided to defend the case. Is this normal ? I am beginning to panic now as I have a feeling I will be the first one to have to go to court. Can anyone let me know if this is the response they have had from First Direct. Bev

Hopefully I won't be waiting too long. bEV

Hi claim has been issued today. How long does it take for DG solicitors to make an offer. I have decided when I finally get paid out I am going to clear one of my credit card balances and donate 5% to the website. Bev

Hi Just to let you know I have completed the moneyclaim online today.Claim nos 6QZ51832. Did anyone see GMTV this morning.Martin Lewis was telling the viewers how they could reclaim their unfair bank charges.I bet there have been a lot of new people register today. Will keep you posted Bev

I have just started to fill in the claim. At the end of the form where asks for amount claimed I have added the sum of charges plus the 8% interest ,do I have to add in the daily rate of interest which I calculate to be 71p per day ,if so how do I calculate how many days to add on. Do I have to send the statement of charges in the post and the final question do I need to wait the 14 days or can I send it today. thanks Bev

Can anyone tell me how to calculate the daily rate of interest on the moneyclaim form. I plan to get it already today so that I can send it off on 7th Aug thanks Bev:-)

Well I received the usual reply from Robert Kernaghan sayinf FD weren't interested. I will start working on the moneyclaim form on Saturday with a view to sending it on 7th Aug. Hopefully within the next 2 weeks I should be receiving nearly £5k.What a result and it is all because of this brilliant website.

Hi I have got one more question before I start competing the moneyclaim form. The daily interest is the total charges plus 8% interest x 0.00022 or just total charges x 0.00022. I am so grateful to all the help I have received from this forum.Without all your help there is no way I would be making a claim . As soon as receive the money I will be sending you the 5% donation. Bev

Thanks for the reply. Sorry to be a pain but I have another question.Once I have filed the claim will FD pay the interest and court charges if they decide to settle and not go to court ?

I am just about to complete the moneyclaim form. I have 2 accounts with First Direct where I have incurred charges. Can I claim for both accounts on one money claim form.The total including interest is under £5000

This morning I sent the letter befor action to Mr Kernigam at First Direct. I thought I would check out the money claim form and start getting ready to send it off as I am sure First Direct will not be coughing up that easily. I have got a couple of questions about the form and I was wondering if somebody can answer them. 1) Can I claim for my 2 accounts on the one money claim form. Is so do I add the the overcharges together 2) How do I work out the daily rate of interest and do I have to claim it.I would be more than happy with just the overcharges plus 8% interest Originally Posted by my claim Claimant has account XXXXXXX with Defendant from approx XXXXdateXXXX, conducted under their standard Terms and Conditions. Claimant is claiming the return of money taken in charges during the time the Claimant has had the account with the Defendant. The Defendant's charges are a disproportionate penalty and are therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair (Contracts) Terms Act 1977 s4 and Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined to justify the charges despite repeated requests. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from XXdateXX to 04/May/2006 of xxx and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of xxx I know I am on the homeward run now. If First Direct say they will not refund my charges ,when can I send the money claim.Is it 2 weeks from the date Mr Kernigan received the letter before action. thanks for all your help and support. Bev

I have decided to order the statements from b/card and pay the £3 per statement .I will then add it to my claim. I thought that if I estimated the amount it would tale longer to get b/card to refund the charges.

Hi I am in the same boat as everyone else.Just wondering if I should pay for the 4 yrs worth of statements.I have calculated for 2 yrs they owe me £200 so I am debating should I just claim for the £200 or spend £144 for the remaining statements.Can I claim this money back vis the small claims court?

Well I have received my copy statements but only 2 years worth.Apparently b/card can't give me the other 4years worth as they are on microfiche and if I still really wanted them I would have to pay £3 per statement. It amazes me how some banks can just provide the info you require and others are just difficult.-and they cashed my cheque. Has anyone got any ideas how I persue this further.Do I just estimate the figure for 6 years.My 2 years latepayment charges amount to £200 so on that basis can I put in a claim for £600. Look forward to your feedback

Hi just thought I would give you an update. I have received the standard letter from Maureen Watson at FD saying they disagree etc and that if I am still unhappy I should contact Robert Kernaghan.As I have had the standard reply should I still wait 14 days before I send the LBA letter.

Hi After receiving all my statements from First Direct and finding out they owe me£3500 ,I decided to send a letter to MBNA requesting my statements for the last 6 yrs on 2 accounts.Will keep you posted as to how I get on.

Hi I have started the ball rolling by sending a letter to barclaycard requesting my last 6 years statements. I will keep updated with the progress

Hi I asked a question aquestion a couple of days ago. Basically I am now thinking about taking on the credit companies and I was just wondering if they will close the account and ask for the outstanding balance to be cleared.

Hi I am thinking about taking the first step in claiming back all the charges I have incurred over the last 6 years. Does anyone know if it will effect my credit rating. If I decide to try and reclaim all my charges I think I will tackle one account at a time just to see how I get on. Would love to hear your views on this