Thanks Bookworm, and apologies for hi-hacking your thread. Feel free to delete my post. In closing I must say that of all the banks, I have always found Barclays the most difficult to deal with. Once when my employer paid my salary into the wrong account, (also in Barclays), it took me a month to recover it. No doubt the branch was rubbing their hands at the thought of the interest!

I have successfully recovered bank charges from First Direct, and we're on the second part of the dance with Lloyds - the one where we bring in the Small Claims Court, but Barclaycard are another story. I have now written to them three times since the beginning of the year, asking them for copies of my credit card payments, and even enclosing a cheque to cover their costs. The cheque has not been cashed, and I've not heard a word from them. It is time to go to the Information Commissioner?

Interesting situation in my case. Having returned my settlement letter for the full amount, I received a letter from DG dated 31/10, saying that I would receive the money within seven days. I have not, and have now written to DG to formally advise them of this. Additonally, the Court has asked me if the claim has now been paid, and I have replied explaining that it has not. I am hoping that this is some kind of mix-up within or between DG & FD, but has anyone else had this experience?

Me too! I received a letter from their solictors offering a full refund just a week after refusing one offering half the amount owed. My heart bleeds for FD - lol

Re: MrFitz v First Direct I went down the MCOL route following their initial refusals, and I too have received a letter from their solicitors offering me about 50% of my claim. I will be writing in much the same vein as yourself Mr Fitz. My claim is a lot less than yours, but I'm determined to see it through. I notice that they've put a confidentiality clause in their letter. Are they frightened of the rest of us finding out just how much they're paying out?

Hi, I was with First Direct, and they refused my applications, so I went through the small claims procedure with the internet system. This morning I have received a letter from their solicitors in Birmingham with standard wording... 'confident that charges are reasonable...mindful of irrecoverable legal costs...etc., offering me approx. half of what I am claiming. Presumably your advice would be to reject this, and sit tight for the full amount? If so, is there a standard format for replying to this? Interestingly, there is a 'confidential' clause included in the letter.