Got home last night still no news from FD so have just completed the MCOL taking my claim up to £4,543.18

Hi Icklem It took me about a month to get my statements mind you it was 6 years worth. Still no news from FD when I got home last night..... today is D-day... however, I am a bit concerned because as from next Saturday I'm going to be out of the Country for two weeks. So if I've not heard anything from them in the interim, I'll have send them a letter telling them this and that I wont be able to reply to any correspondence until I get back.... R

Hi everyone After receiving FD's offer of £2909, I sent them a letter on the 13 respectfully declining this and asking for the full amount of £3,483.50 and that they have up until the 20 December to return the full amount otherwise i will go to the MCOL stage. As yet I've heard nothing.. I'll keep you posted.. R

Oh right so is it case of I either accept what they are offering or I don't and go to the MCOL stage?

Hi everyone Well I got home yesterday to find a letter from Deborah Malins, without prejudice etc and without any admission of liability whatsoever offering me £2909. I tell you I had a huge grin on my face... The letter did say that they were not willing to refund the interest as it related to my unauthorised borrowing... My claim is for £3483.50 so I'm £574.50 short of this and the interest is £181.49.... So my question to you is should I accept the £2909 as part payment but still stay that I'm going to pursue the £574.50 and still go to the MCOL stage? Cheers R

Hi Roger Yes I've just read your thread... stick to your guns I think is the general message throughout and that we need to remember that they have taken OUR money and we want it ALL back.. Hmm, they will have definitely received my LBA now so it will be interesting then if I receive a form of offer from them, but like you I anticipate that I will end up going to the MCOL stage... R

Hi Dani, was in this response to your LBA? R

I got home yesterday to find a letter from John Ruane in Customer Relations saying that FD doesn't agree that the charges are unlawful blahdy blahdy blah... anyway because I hadn't heard from them I had just sent of my LBA.... I'm presuming now that I shall just go to the MCOL stage then and not wait any more? is that right? Thanks

Send them to my email address [email protected] I'll print them off for you and send them back to you if you wish R

Hi Dani Yep... let's hope we get our money for Christmas that would be a very nice present..... Good luck R

Zinzan This was the advice that I had received when I asked the question about what do we claim for and this is what I have claimed: Just to confirm, you claim back Overdraft Fees, Excess Overdraft fees, the proportion of the debit interest charged caused by the fees, and any charges due to items being returned or unpaid - not the unpaid/returned items themselves.

Hi Zinzan I'm claiming £3664.99 for 6 years worth unbelievable isn't it... did you get the spreadsheet from the library? Make sure you go through your statements again in case you have missed anything. I claimed for: Overdrafte fee (not the arrangement fee) excess overdraft fee charges for any re-called or unpaid items interest R

Hi You only claim at this stage any interest that they have charged you from your statements. I claimed the overdraft fee (not arrangement fee), excess overdraft and any charges for re-called items together with interest that they had charged me. The 8% interest calculator that this on the spreadsheet is what you use to add onto your total when you get to the MCOL stage because I asked this question aswell. R

It took about 4 weeks for me to receive my statements mind you it was 6 years worth. You will get them though.

Thanks Bovkers you're right.. it's in the post today... R

Hi everyone I sent of my preliminary approach letter and got the standard reply back from Lesley Gibbon on the 21 November saying sorry I've had cause to complain and that I would receive a reply certainly within the next 10 working days. As yet I've not heard anything from them... I take it the next stage is to send the Letter Before Action... Please could someone confirm? Cheers guys

aah ok and yes I'm still banking with FD..Thanks Androobe

I'm just in the process of typing out the preliminary approach for repayment letter and under what I require it says: Additionally you have entered a default notice against my credit record...... How do I know if this has happened? Do I still put this in the letter? Thanks for your help R60nda

Thanks G8 Summit, I'll change the spreadsheet and take out the 8% for this stage, the rest is ok as it is just the charges i.e. £37.50 for unpaid items etc. So the amount I'll be claiming back is £3664.99 Here we go....

Hi everyone Right went through all the statements last night - crikey I've wasted some money over the years anyway I used the spreadsheet from the library where it also calculates the 8% so: My charges come to: £3664.99 With the 8%: £951.08 Total: £4616.07 What I've claimed back is the Interest, Overdraft fee, excess overdraft fee and any recalled or unpaid items.. Please could someone just confirm that, that is correct before I send it off to them. Thanks for your help

Lo and behold received my statements in the post yesterday, now have to trawl through them........

Hi I'm still awaiting my statements aswell, I'm getting a bit jittery it will be 4 weeks this week...

It depends what the company's sickness policy is, where I am if you are ill before you go off on annual leave and as long as you inform your immediate line manager you do get your annual leave back as such. If you have started your annual leave and then become sick then no you don't get it back unfortunately it's then 'one of those things'. The bit about if she gets funny we'll take her sick pay away does not sound right to me and it's hard to comment without knowing all the facts, the only time an employer would not pay sick pay is if the employer felt that the sickness wasn't genuine and then you have to prove that which isn't always easy. Like Neville, I'm also an HR Manager and if you need any advice let me know. Rhonda

Hi guys I know your right.. I'll have a chat with my other half and let him know what you have mentioned. Thanks Rhonda

Hi It's just listed as the one address but all the flats are numbered mine is flat 1 so that's the address I give out to people, Flat 1 ....... yet all the post comes to the same house through the same letter box (his included). When I think about it, it does sound very dodgy and in fact regarding the electricity meter mine is in fact downstairs in a cupboards.. yet I'm a first floor flat... Hmm.....