monkey_uk Vs First Direct ::: Settled IN FULL £2235.50 12/05/06

[dinghy]

Wow well done ....very interesting read....will begin investigating right away. Are there any time limits on how far back the refund charges can be applied for?

 

Take a good look at the FAQ's and around the site in general and you'll get a good feel for the complaints you want to make and the scope of them...

 

The general feel for refund of charges is 6 years back, although there is some discussion around as to whether you could make a case for older charges...

[bitbob]

Thanks.....willl keep reading ....this all started from helping my brother on his speeding (failing to give identity) ......one thing leads to another or one link leads to another.....3 days on the computer later.....and i find myself here.

[dinghy]

Thanks.....willl keep reading ....this all started from helping my brother on his speeding (failing to give identity) ......one thing leads to another or one link leads to another.....3 days on the computer later.....and i find myself here.

 

Best of luck with everything

[bitbob]

Great info thanks all. Will be making a paypal donation shortly, not much but as i am not a big earner, but a gesture of thanks at least.

 

I have just been on the phone to customer service for 30 mins and they have agreed to refund all of my charges to 2000 (online statements) total of 123 pounds:lol: .

 

The asked me to agree that this was a full & final settlement of any past & future charges, of which i did in principal providing my right under other areas of law were not infringed.

 

Now where do i stand. I have not signed anything, does this mean that my agreement that this is full & final is not binding until i actually sign to say so?

 

I would like to dig out statements back to 1994 and have a go to reclaim these also. They also mention future charges, surely just because i agree in principal to there offer this can not mean now that the charges can be added to my account with no redress?

 

Thanks again,

 

I have posted this also in the HSBC section, should i stick to posting the thread in only one forum next time? I am not sure if it would get confusing for people if i post in two forums.

[Guest Mumofthreeboys]

I would be very wary of the 'future charges' part, but don't think they can do anything unless you sign, but be careful 'cos they say they may record your conversations...... Perhaps Monkey could help on this???

[krakan]

Well done old chap, your case has been the benchmark by which I was either going or not going after FD for the years of unreasonable crap I've had to put up with..

 

Your result gives me the catalyst I needed to get on with it, will draft my DPA letter tomorrow and post a new thread so you can follow my journey:)

 

Congratulations again monkey, and good on you for the non-confidentiality bit, very brave!!

 

Keep on keepin' on:grin:

 

PS:

 

HSBC is entirely confident that its (sic)...

 

I'm not sure I understand the 'sic' - there's nothing wrong with that sentence!?

[notlam]

Hi monkey,

 

In your letter to FD, which I think is excellent and I'm going to snaffle most of it for mine, you said:

 

"I also request that you furnish me with information pertaining to the numerous changes in my overdraft limit. I require a list of the dates that my limit was changed and what it was changed from and to. Again, this is from the date above, to the present day."

 

Why did you ask for this?

 

Also, as FD closed my account recently and I still owe them £2k - does anyone here know if I am still entitled to request and receive this DP information from FD within 40 days - even though I'm no longer a FD customer?

 

notlam

[Movingon]

Do they still hold the Data? Yes.

Are you entitled to it by Law? Yes.

 

The fact that you are (or are not) a customer of theirs is UTTERLY IRRELEVANT, if they hold data about you within a "relevant filing system" then you are entitled to that information.

 

For instance, if you are not, and never have been, a customer of Direct Communications PLC, but they hold data about you in their files for marketing purposes which they acquired from some other organisation which you don't have any connections with, you are entitled to send them a DPA Subject Access Request and expect a full and frank response.

[monkey_uk]

Hi monkey,

 

In your letter to FD, which I think is excellent and I'm going to snaffle most of it for mine, you said:

 

"I also request that you furnish me with information pertaining to the numerous changes in my overdraft limit. I require a list of the dates that my limit was changed and what it was changed from and to. Again, this is from the date above, to the present day."

 

Why did you ask for this?

 

I asked for this so that I could see, at any given point, what my authorised overdraft was, and compare the balance of my account to this. In the end, they just sent me my account note, that didn't even contain this information.

 

Never mind, I still won!

[monkey_uk]

There may well be another chapter in this ladies and gents...watch this space

[krakan]

oooh.. do tell!

[monkey_uk]

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