WON!! Recieved in the post today a letter form FD, advising that they are refunding all my charges. £798.00 in total. It's been a couple of months only because I have moved house in the meantime. My request for a refund of charges actually went out to FD on 1 March, so 27 days later it has been finalised. For all those that are just starting on their journey, it's simple, just stick to your guns. I followed the process laid down in the forums, using the standard letters. FD offered me a lower amount at first, so I rejected and asked for the full amount, 10 days later they capitulated.

Good luck with it.

The Leeds address is fine, it will find it's way to the relevant dept.

Account with Alliance & Liecester set up..... just waiting on the statements from FD...

I'm asking this because I was going through stuff in my head whilst Coronation Street was blar blar blarring in the background. On a number of occasions First Direct have rang me to 'chat about my account', in other words ask me to repay some of the amount I was over my OD limit. One time they even put me in touch with an 'account adviser' to help, he pointed out that out monthly outgoings were too high, mainly due to Credit Card payments and his advice was to take out a loan, or remortgage. Incedentally, the First Direct mortgage adviser could not help because our outgoing were too high, oh the irony... Anyway, does this constitute 'manual intervention' I mean the charges were already taken by their automated system and they were basically following it up. If it is considered intervention, what affect would that have on my claim?

First Direct 40 Wakefield Road Leeds West Yorkshire LS98 1FD

Hi, just starting my timeline now. My DPA letter went off today, from what I have read it won't be long until I get my statements through. My wife is setting up a parachute account tomorrow just in case they close our FD account down.

Hello people. After getting another £150 in charges I googled 'excess bank fees' and found this site. Well done, nice site, very well put together. I have read up and sent off my 'Data Protection Act' letter along with my £10.00 cheque (A First Direct cheque, oh, the irony.....) Wish me luck....