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Susie-que vs First Direct


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:eek: Hello bros

Well Hi everyone - I have started my apprehensive jouney to reclaim unfair penalties FD have applied to our joint account over the last 6 years. They tell me the statements have been despatched and I will keep you posted on progress - today is day 1 to a more affluent future!!

Good Luck to you all too.

:) Susie-que :)

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Welcome to the gang!!

 

Read up all you can on the site, especially the FAQ's & step by step instructions. Keep posting your progress on this thread.

 

If you need any help there's plenty of people here.

 

Kazzaw

 

:)

  • Confused 1

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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OK first direct havent provided my statements in response to my nice little email ( despite their email reply saying they would) Therefore today I have formalised things by sending the DPA letter as per the template elsewhere on this website.

I can be patient (even if I dont want to be!)

Here we go....

:) Susie-que :)

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First Direct(FD) have been reading my posts! My statements arrived yesterday! I have emailed them to say I'd still like the manual intervention notes under DPA but to ignore my request for statements. I just hope they dont charge me for all the statements.

I spent a happy hour yesterday reliving my financial life thro my statements and highlighting unfair charges. I have prepared a simple spreadsheet with the date description and sum of each transaction which total £500.50.

I have written the preliminary letter and attached a copy of the spreadsheet (as the "schedule")

 

We are another step closer hopefully, to a little remuneration!!

:) Susie-que :)

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Good Morning All

I received a nice letter today from Natalie Coe in Customer Relations. Apparently she is sorry that I have cause for complaint and hopes to send me a reply in 10 days. She has kindly enclosed a copy of a leaflet "listening to your comments".

Well thanks Natalie but I'll stick to my timetable - you will receive my LBA on 24th July - unless I have my money back by then.

Yo!

:) Susie-que :)

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You're doing fine!!

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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  • 2 weeks later...

I had just drafted my LBA ready to send to First Direct as my deadline of 24th July had just passed, when the postman came this morning.

 

I opened a letter from Robert Kernaghan, expecting to be fobbed off with the s*d off letter and you could have knocked me down with a feather....

Full and final settlement offer of the FULL £500.50 claimed!!!!:D

 

The letter basically said they were sure if it went to court that they would win but "mindful of the management time and irrecOverable legal costs they may incur in relation to such a claim" (not that confident then!!) blah blah

 

"The offer will remain in place for 10 days" ...dont worry mate you'll have my acceptance in the morning post!!

 

I was so surprised it was this easy - one letter asking for statements and one letter containing details of my claim.

 

I'm really impressed with First Direct' customer service - hope they dont close my account!!:p

I expect they settled so quickly because it was fairly obvious I was a CAG member (letter templates) and because it was a relatively trivial sum of money (for them - not me)

 

(I have other accounts anyway)

 

I would never have believed it was so simple and quick to get a refund. I expect I wouldnt have had the bottle to do it without all the advice and support available on this website.

When I have the money in my account I will make a donation and complete the survey.

 

THANK YOU

 

btw - Have told lots of mates and several are encouraged to try to get back what banks and credit cards have taken from them too.

:) Susie-que :)

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Hopefully FD have my acceptance of their offer today - its strange 'cos I can't access my online account!! I rang this morning to query it and they "unlocked" it but I have tried again just now and its locked again!

Has this happened to anyone else?

Are they getting their own back on me do you think?:?

:) Susie-que :)

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