quick update... after sending off rejection letter i noticed that my account had been credited with £570 (the original offer) before I had even recd the offer letter!!! waited 1 month and then out of the blue A&L coughed for the rest and gave me another £504......RESULT!!!! Total won £1074

update time recd this letter today: 14th February WITHOUT PREJUDICE Dear XXXXX thankyou for your letter of 31/1 requesting a refund of £2281 bank and service charges. After reviewing your account I note unpaid items totalling£75, a £5 charge for a foreign cheque and £35 that did not debit your account. I have adjusted your claim acccordingly In circumstances where you have authorised payment that would if met by us lead to your account going overdrawn or to exceed an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are clearly set in our published tariff. The circumstances in which the fee will apply are clearly set out in our T&C's, a copy of which was provided to you when u set your account up. We are confident of our position and believe that if your claim for a refund proceeded to Court, we would succesfully resist any legal challenge in relation to these fees. First Direct is however midful of the management time and irrecoverable legal costs we may incur in relation to such a claim. For commercial reasons alone, and without any admission of liability whatsoever, FD is prepared to pay you the sum of £1414 in full and final settlement of this matter, which I believe is a fair and reasonable offer. As debit interest relates to your agreement with us I am not willing to review this. if you accept our proposal please sign and return the enclosed declaration to us in the prepaid evelope provided and we will arrange for the refund to be made to you.This offer will remain for 10 working days. However should you wish to escalate your concerns to the next stage you may write to Robert Kernaghan, CRM at the above address. Complaints that we cannot resolve may ultimately be referred to the FOS, further details of which can be found in the attched leaflet Yours XXXXXXXX My choice is now take £1414 out of£2281 and head for the hills or do I fight this? What should be my next move. Also in the first para they state that I claimed £5 for a foreign cheque (I didnt) and other bits and pieces....do I now just claim £105 less eg £2176? Any advice would be appreciated Thanks

LBA sent with copies of charges (again) wonder if they'll reply this time

thanx lil rejection letter sent off....lets see what happens!

i had first direct ring me up doing an account review......i was asked what do u think of our customer service (which to be honest they are the most efficient bank I have been with)....so i said yeah goo but where's the response to my claim? the lassie said that FD had been inundated with claims and they have got a huge team trying to deal with the backlog.....so i said fine i'll still proceed with my LBA!!!!!

Bit of a newbie on here just taking on A&L and First Direct at the same time Sent the usual statement request with £10 to A&L....got a full response today offering to credit my credit card £570 and enclosed a print of my statements....the toal charges is £1012 They state that this is a full and final offer...i've read that there is a letter somewhere accepting the money as an interim payment has anyone else gone thru a similar process.....i didnt even ask them for a figure they just offered it straight away!!!!!!!! do i just accept the figure or do i say credit my account and give me the rest? any advice would be appreciated

thanks for the reply bookmark Its just over the 14 day limit....i'll give them a ring and if i get no sense it'll be a LBA sent recorded delivery in the morning

Hi there First proper post.....I have got 2 claims on going with FD & A&L Sent the usual letter with £10 before Xmas and fair play to FD they sent the statements by courier on 4/1 I have 2 accounts....current account & credit card Current a/c had about £1200 in charges on it C/Card had approx £950 in charges Used the spreadsheet and letter template and sent by e-mail on 5/1 How long do I have to wait before sending any further correspondence? thanks in advance for your help

congrats soapy could u give me a mail @ [email protected] please? i had some corres with A&L today and want your opinion as to how i should deal ta andy