Hi can someone help with the above please. Need to ring them soon but want to know if I can still claim for the rest of the money. Gill

When i got my letter from dg i had to sign at the bottom and send the copy back. It had all the bits about full and final settlement and no other claims etc. So I put a line through the bits I dont agree with and signed it. I also put in a covering letter saying:- I will accept the sum offered only as part payment and on the clear understanding that I will pursue for the remainder. I will withdraw my claim upon the receipt of full unconditional settlement of my claim. Yesterday got letter back form DG Thank you for returning the signed settlement letter. We confirm the agreed sum will be credited in the next 7 days Once you have received the agreed sum we considered that the matter will be concluded etc etc. checked my bank account and there it was. But it is not the sum I wanted. Have I lost out because I signed that letter? even though I crossed out the bit about full and final. no other claims etc etc. Can anyone help can I still pursue for the rest which is about £400.00.?

Hi Stephenwalton. I got my offer letter from DG last Thursday offering me almost the full amount. Sent letter back sameday accepting as part payment with intention to pursue for the whole amount. No reply as yet. Dont accept the first offer. If you read further threads you will see that they do this all the time. stick to your guns and you will get all of your money back. Think how much money they would save if everyone accepted the first offer. Good luck keep us up-dated. gill

Quick up-date. Sent letter to DG Sollicitors last Thursday. Accepting amount as part payment with intention to pursue for the rest. No news yet. Was Hoping to have money for Christmas but hay still got a few days left. They have to file a defence in 28 days from the date 11th December 2006. What happens if they don't and they havent settled? Should I ring today and find out if they have received my letter?

Quick up-date fd sollicitors d&g have sent us a letter offering 3030.70 which is about 400.00 short. We want the whole amount but need a copy of the letter that tells then we accept this as partial payment. anyone help? Have had a look but could not find it. This letter also has a section on saying That we agree not to claim again and to keep it confidential. Many Thanks Gill

Hi Bobbygroocock. We have just done mcol on the 6th of December so I expect I will get the same reply as you. There is a programe on tonight at 10.00pm on bbc 2 all about what we are all doing. looking forward to watching it. good luck to you. Regards Gill

Hello all. checked my account today and money has been paid in £1570.00. whooooo yeah. I cant tell you how pleased we are. Hubby didnt think we would get it back. We are going to have a good christmas after all. now onto my other bank. Best of luck to all out there going through it. stick to it and you will get your money back. Now off to make donation to this super site. Regards to all. Gill and Pete

Hi i want to do my mcol today. What address do i use the balloon street one or the skelmersdale one? can anyone help?

Ho Conzi. Dont Be Surprised If They Refuse 1st Time And After Lba. They Did To Both Mine Im Claiming For 2300.00 But I Will Say Fd Are Not Consistant. And You Could Be One Of The Lucky Ones Who Get And Offer Straight Away. Iv Got To Go Down The Moneyclaim Online Route. Hope This Helps. Keep Us Informed Of How Your Getting Along. Regard Gill

hi bobbygroocock. when you go to moneycliam on-line you can add 8% interest. there is a spreadsheet on this site under templates. this works it out for you. hope this helps gill

Hi Rhombus. We Are Currently Overdrawn By 90.00 Without An Overdraft And They Are Planning To Add More Charges This Month Of 70.00. We Havent Used The Account In Over Two Months And We Refuse To Pay Money In As The Account Is In Disspute. I Dont Think This Will Affect Your Claim As I Expect The Charges You Are Getting Are Not Helping You Keep Within Your Limit. If You Start Procedings Smile Will Proberly Get Shirty And If You Abuse Your Account To Much Will Ask For You To Hand Your Cards/cheque Book Back. This Has Happened With My First Direct Account, We Went Overdrawn By 20.00 For One Day And Had A Stroppy Letter From Them Saying We Would Have To Hand Our Cards Back If It Happens Again. We Are At The Moment Claiming For Money Back From Them As Well So This Is Why They Are Getting Shirty. Hope This Helps. Gill

Have Just Checked My Account And They Are Going To Charge Me £70.00 This Month. We Have Not Used The Account For Over Two Months And We Are Over Drawn Because Of The Charges That We Are Disputing. Need Some Advice. I Know I Can Add The Charges To My Claim But We Have No Cards Or Cheque Book For This Account And Asked Them To Close It But Because We Wont/cant Pay Money In They Just Keep Adding Up The Charges. Iv Told Them By Seccure Mess That We Are Not Happy And Investigating This And I Have Sent Prelim And Lba And They Have Till 9th Befor Mcol. Should I Send Another Mess To Them And If So What Should I Say? I Dont Want This To Go Against Us. Any Advice Would Be Helpful. Thanks Gill

Hi Yvette. this is gill. how are things progressing? iv no news. lba sent last week they have till 9th nov then its mcol. gill

well done chutney. iv sent my lba and they have till next wk b4 mcol. thinking i might give them another wk? but then again no. well done. gill

Well No News Is Good News So They Say. Have Had No Response Yet From Smile After Sending My Lba. They Have Till End Of Next Week Then Its Mcol. Which Works Out Well As Its Payday And I Can Do It Straight Away. Would Be Really Nice To Get The Money Back B4 Christmas. Hows Everyone Else Doing?

thanks monkey uk. have been on site mcol and its all ready to go. Do i ahve to wait the 14 days from my lba letter or can i juat send it off today? gill

Up-date. Have Had Letter In Post From Fd A Mr.kernaghan. Fd Wont Offer Money Back Goes On To Explain Charges T&c Blah Blah Can Complain To Financial Ombudsman Blah Blah. Why R Fd Not Consistant? Some Peolple Get Offers Straight Away Others Have To Go Through Mcol. This Is My Route Now. Does Anyone Have A Template For This? I Know You Are Restricted To How Many Words/letters/line Etc But I Want To Get This Right. Any Info Helpful. Gill

HI YVETTE GLAD TO HELP. HAVE SENT MY LBA BY RECORDED DELIVERY THEY SHOULD GET THIS TODAY OR MONDAY. SO THEY HAVE ANOTHER 14 DAYS TO RESPOND. GOD I HOPE THEY REFUND THE MONEY SO I CAN CLOSE MY ACCOUNT AND SAY UP ****S. ALREADY HAVE ANOTHER ACCOUNT TO USE BUT IM ALSO ASKING FOR CHARGES BACK FROM THEM SO HAVE NOW OPENED ANOTHER ACCOUNT JUST INCASE. I SHOULD THINK THEY MUST HAVE EMPLOYED STAFF JUST TO DEAL WITH THE COMPLAINTS COMING IN. BET THEY ARE INUNDATED WITH THEM. LET ME KNOW HOE YOU GET ON. REGARDS GILL:lol:

I AM NEW TO THIS SO HOPE I HAVE POSTED IN THE RIGHT PLACE. AM IN THE PROCESS OF ASKING FOR MONEY BACK FOR REPAIRS DONE TO MY CAR WHICH I HAD BOUGHT IN APRIL 06 FRON GATES OF HARLOW. THE CAR IS A FORD GALAXY R REG AND HAD 69000 ON THE CLOCK WHEN I BOUGHT IT AT A COST OF £4000.00. AFTER JUST FOUR MONTHS AND ONLY 1900 MILES IV HAD TO SPEND OUT £750 ON REPAIRS. WE HAD A YEARS WARRENTY WHICH WE PAID £250 FOR AND ALL THE REPAIRS WE HAD DONE WERE NOT COVERED. AT ALL TIMES WE ASKED THE GARAGE IF WE COULD GET THE CAR REPAIRED AT A GARAGE NEAR US AS BISHOPS STORTFORD WAS OVER AN HOURS DRIVE AND THE FIRST TIME I ASKED THEM TO LOOK AT IT THEY ONLY OFFERED ME A FORD KA AS A COURTSEY CAR (AS THERE ARE 5 OF US AND THIS CAR ONLY HAS SEAT BELTS FOR 4 I DECLINED) WAS THEN TOLD I COULD HIRE A MPV FROM THE CAR HIRE PLACE NEAR THEM AT A CHARGE OF COURSE. SO WE HAD REPAIRS DONE. WARRENTY PEOPLE ALSO INFORMED AT ALL TIMES OF WORK BEING DONE AND BY WHOM. SO ALL BASES COVERED IN TERMS OF US FOLLOWING THERE REQUESTS. ONE OF THE REPAIRS WAS FOR TWO BURNT OUT SOLENOIDS IN THE AUTOMATIC GEARBOX. THE MECHANIC WHO LOOKED AT IT WAS SHOCKED AND ADVISED US THAT THE CAR HAD BEEN LIKE THIS FOR SOME TIME DUE TO THE BURNT OUT DEBRI IN THE BOX. BEING AS WE ARE NOT MECHANICS WE HADNT NOTICED THAT THE CAR WAS NOT CHANGING GEAR PROPERLY, WE JUST THOUGHT THE CAR WAS SLOW AND SLUGGISH. HE HAS PUT THIS IN WRITING FOR US. SO WE HAVE SENT LETTERS AND HAD NO RESPONSE UNTIL A COUPLE OF WEEKS AGO. THEY WROTE THAT THEY WILL NOT PAY UP AND ACCEPT NO RESPONIBILITY DUE TO THE AGE AND MILLAGE OF THE CAR. WE HAVE GONE ALONG THE LINES OF THE CAR NOT BEING FIT FOR PURPOSE. WE WANT TO TAKE THEM TO COURT AND WONDERED IF ANYONE KNEW WHAT OUR CHANCES WOULD BE. WE HAD TO CANCEL OUR FAMILY HOLIDAY AND HAD THE MOST STRESSFUL TWO WEEKS AT HOME OF OUR LIVES. 3 DISAPOINTED KIDS AND TWO GRUMPY ADULTS DOES NOT MIX WELL. ANY THOUGHTS ON THIS:x

YOU ARE LUCKY. I WAS HOPING THAT ID GET ONE OF THESE LETTERS. I THINK BECAUSE IM CLAIMING FOR ALOT OVER 6 YEARS THEY WANT TO HANG IT OUT ABIT. GOOD LUCK WITH YOUR CLAIMS.

Many Thanks. Will Send Lba Off Today. Will Keep You Posted. Good Luck With Yours.

VERY QUICK RESPONSE FROM FIRST DIRECT BUT NOT A GOOD ONE. HERE IS WHAT THEY WROTE. FD DOES NOT AGREE WITH YOUR CONTENTION THAT THE CHARGES WHICH HAVE BEEN APPLIED TO YOUR ACCOUNT ARE UNLAWFUL AND ARE THEREFORE UNFORCEABLE. THE CONTRACT BETWEEN THE BANK AND ITS CUSTOMER IS GOVERNED BY OUR ACCOUNT TERMS AND CONDITIONS. IN RESPECT OF OVERDRAFTS, I WOULD REFER YOU SPECIFICALLY TO PART 2 OPERATING YOUR ACCOUNT CLAUSE 6.9 WHICH STATES:- I WONT WRITE IT ALL DOWN. GOES ON TO SAY :- OUR FEES AND CHARGES ARE CLEARLY STATED IN OUR PUBLISHED INTEREST RATES AND CHARGES LEAFLET AND THE CIRCUMSTANCES IN WHICH THESE CHARGES APPLY ARE CLEARLY SET OUT IN OUR TERMS AND CONDITIONS, WHICH YOU WILL HAVE BEEN PROVIDIED WITH. WE ARE THEREFORE UNABLE TO AGREE TO YOUR REQUEST. IF YOU WISH TO ESCALATE YOUR CONCERNS TO THE NEXT STAGE YOU CAN WRITE TO ROBERT KERNAGHAN, CUSTOMER RELATIONS MANAGER. COMPLAINTS WE CANNOT RESOLVE MAY, ULTIMATELY BE REFERRED TO THE FINANCIAL OMBUDSMAN SERVICE. THIS SOUNDS VERY SCARY. WHAT NEXT? SHALL I SEND A STANDARD LBA TO THIS MR KERNAGHAN? HAVE GOT IT READY TO GO. CAN ANYONE ADVISE????

Thats The Way Iv Looked At It. All The Best Gordon In Your Pusuit. Gill

HI MICHAEL. MANY THANKS FOR YOUR REPLY. I WILL DO THAT. I THINK WE MIGHT HAVE A FIGHT ON OUR HANDS. HEY IT GIVES ME SOMETHING ELSE TO THINK ABOUT INSTEAD OF WORRING ABOUT CHRISTMAS COMING.

Sorry Gordon F. Im Not Sure. I Asked First Direct If They Would Refund £2300.00 And On The Spreadsheet Which I Used From The Site It Had Added On The 8% Interest. I Just Sent Them The Letter Asking For The £2300.00 And The Spreadsheet Hoping They Pay The Interest Befor I Have To Take They To Court.