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FFG V First Direct


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Just printed the letter to be sent tonight to First Direct giving them 14 days to agree to pay back what they charged me. Wish me luck...

 

Just out of curisioty those of you that have gone against FD did they create a lot of fuss or are they paying fairly quickly?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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I'm sending this one: IS IT WRONG???:-o

 

[your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

etc, etc, etc

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Nope the right one I think. ! Good luck sent mine the same yesterday. ! :D

Egg Data Protection Act Statements arrived. On hold.

 

Halifax - Moneyclaim £3100

 

Amex to Remove Default - acknowledged didn't issue correct documents - default removed :) . £135 paid in full without Court

 

I'm on a roll now :rolleyes:

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Got a letter from the bank saying they are sorry that I am unhappy but will reply to my query within 10 days... :) Let's see... will keep you all posted...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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  • 2 weeks later...

Well no word from FD since the "we will reply to you within the next 10 working days".

 

Posted LBA today recorded delivery... see what happens next...

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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Got a letter from FD ofering me 1033 instead of my 1434...

 

I have already sent my LBA but feel I should aknowledge the letter from Mr Kernaghan...

 

I was thinking I could send an internal message through internet banking explaining that I have sent my LBA and will continue to court action unless they repay my charges in full, do you guys think this is ok?:?

 

Did the 1434 include interest on your charges? You shouldn;t really calculate the interest unless you go through to the claims court. If the 1033 is the actual amount in charges, I'd accept. :tu:

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The 1434 only included the interest deemed to have been charged on the charges themselves..

 

URGENT HELP NEEDED... I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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The 1434 only included the interest deemed to have been charged on the charges themselves..

 

The interest @ 8%? You shouldn't claim for that yet - not until you file a court claim.

 

URGENT HELP NEEDED...
I have included on my schedule of charges arrangement fee, I have had a call from the bank saying that I cannot claim those back... is this true or has anyone else been able to recover these?

 

Arrangement fees should not be included - only charges called overdraft or excess overdraft fees can be included fees - any interest on the authorised overdraft amount cannot be included.

 

On your statements, what are the descriptions of the charges you've claimed for?

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it wasn't the 8% it was the debit interest charged on the overdraft fees..

 

thank you for the reply... it just so happens that I included all these arrangement fees which means that my claim was seriously overstated...

 

This now means that the bank offer of £1033 is very close to the actual total I should have claimed of 1037.07...

 

I think it is a fair offer and am going to accept it... I can live with a loss of 4.07...

 

Thank you for your help

FD current acc. - £742.44

FD joint acc. - £494.09

 

Preliminary letter sent: 05.07.06

LAB letter sent: 21.07.06

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