Well im new to this website and have found all the threads and info amazing......to think 3 days ago i thought my charges were irrecovable I rec'd a letter from 1st direct on friday 23rd june stating that if i incurred any more charges they would revoke my banking faciltiys, so of course i rung them and was informed as soon as i called up (before even stating my query) that i would have to be passed to another department. I asked for a reason and the lady on the phone ummed and ahh'd a biot and gave me no reason. she did however pass me through to a lovely lady called jjane who went through various details with me then explained that over the past 11 months banking with 1st direct has cost me 1463.17 OMG what a shoock that was. So she then said she would cancel my cards and i would have to call her back in two weeks to discuss how i was going to pay back my overdraft of £340. this was fine but obviously i was in shock about the charges so with a little bit pof research i came acrross this site luckily for mt first direct keep your statements online so i have details of my charges already so no subject access for me!!! 1st 14 day letter is going out in the morning so i should have a reply by monday 19th july which i know will be the same letter everyone gets. I will then promtly send on the 10th my second letter giving them a second chance and 7 days to reply so in theroy my money claim will be logged on wednesday 19th july and hopefully i will have a refund by beginning of august!!!! we will see i will keep this post running as i know its handy to see how other people who bank with the same bank as you arre working out. Any advice will also be greatly appreciated