First Direct v Confused

[mexico31]

Hi All,

 

God... so much to take in that I don't really know where to start.

 

I have been online and noted down all of my charges with FD and think i'm ready to roll. I have made a copy of the Preliminary approach for repayment template. I know i also need to attach a copy of the charges but how shall i format this? Just put the info into Excel and attach?

 

Thanks in advancce for your advice

 

Nicky:???:

[Michael Browne]

Yes, just type of charge, date, amount

[mexico31]

Realised that my account had been open longer than I thought so today I am sending the Data Protection letter to both FD and Natwest.

 

Keep you Updated!!

[mexico31]

Got the backdated account info from 1st direct and now ready to roll. I am popping out at lunch to send the letter and attached summary of charges and I am VERY EXCITED.

[mexico31]

Got the letter back from FD saying NO WAY so I am sending the LBA today.

BRING IT ON8-)

[mexico31]

I am now in the process of completing the moneyclaim online and i'm a bit stuck. Doe's anyone know of a link with the text to insert into the particulars of claim?:? :? :?

[G8_Summit]

I raised a similar question the other day - actually I had come up with the text, but was having problems fitting it into the MCOL webpage.

I was basically told to work it out myself as by this stage we should be fully aware of the implications etc etc.

 

Still I managed to do it and used this text:

 

Claimant has account (A/C No) with Defendant

from (Date a/c opened) conducted on their

standard terms and conditions. Claimant is

claiming the return of £nnn.nn taken by

Defendant in charges over (X) years. The

Defendant's charges are a disproportionate

penalty and therefore unenforceable as they

are contrary to common law. They are also

invalid under the Unfair Contracts Terms Act

1977 s.4 and under the Unfair Terms in

Consumer Contracts Regulations 1999.Para.8

and sch.2.1.e.

In the event that the charges are not a

penalty they are unreasonable within the

meaning of the Supply of Goods and Services

Act 1982 s.15. Defendant has declined

justification of charges despite repeated

requests. Claimant claims interest under

Sec.69 of the County Courts Act 1984 at a

rate of 8% a year from(Date of 1st charge)

to (Date of filing claim) of £nnn.nn and

also interest at same rate up to the date of

judgment or earlier payment at a daily rate

of £n.nn.

 

You need to be careful to format it using a text editor to ensure that it doesn't break over more than 24 lines.

 

Hope this helps.

[mexico31]

Thanks so much, thats such a help. Just one question.... At the bottom when it says....

 

"and also interest at same rate up to the date of

judgment or earlier payment at a daily rate

of £n.nn."

 

Do I calculate 8% of the total claim and put the amount in??

 

 

Thanks again for your help

 

[G8_Summit]

Then in your particulars of claim you state the daily rate which is TOTAL OF CHARGES x 0.00022

 

So, if your total charges (which includes the 8% from the spreadsheet) = £1500, then the daily rate = £0.33.

 

There you go, clear as mud.

[mexico31]

THANKS. You're a STAR

[G8_Summit]

I know.

[mexico31]

Claim done. How scared am I ………….:o

[englishrose]

Dont be, i was when i put my claim in on august the 2nd. Now accepted full offer and just waiting for it to be placed in my account. So relax and it wont be long.

[mexico31]

Claim acknowledged 25.08.06...

[mexico31]

Whats happening... Claim acknowledged on the 25.08 but still no word. WHY ME?

[jaj56n]

Mine was on 24th acknowledged , got half offer today, just added £200 ,this months charges, and a cheeky £200 for my time and expenses, rejected half ,just faxed back, sit and wait, good luck.

[mexico31]

oh thats good... i will be praying that mine is on the mat tonight then.

 

Thanks for easing my mind

 

[mexico31]

Got offer letter for half and faxed them yesterday saying thanks but no thanks. Bring on the full amount!!

 

:-) :-)

[andyhargreaves]

Any news, mexico31?