Vic vs verdraft with First Direct

[vic synex]

I had an overdraft with First Direct who also hammered me with charges over the three years I was with them. When I started my claim to get the charges back, they closed my account and demanded payment of my overdraft.

 

As the amount of charges is more than double the overdraft, I ignored them and all was quiet until Moordaft started sending me their empty threat letters. I ignored these until today when another one arrived which just got me wanting a fight so I replied with this;

 

Dear Sir or Madam

 

I ACKNOWLEDGE NO DEBT TO YOUR COMPANY OR ANY COMPANIES YOU REPRESENT

 

 

With reference to your letters dated ?? June and ?? June 2009, this First Direct account is subject to a court claim by myself with respect to the repayment of unfair bank charges, the amount of which greatly exceeds the amount you claim you are entitled to take from me.

Therefore, with all respect, may I suggest you contact First Direct and stop sending me your meaningless drivel which I find as intimidating as a basket of fluffy kittens?

If I have to send further correspondence to you this will be charged at £12 per letter. If you write to me requesting action I will take this to mean you wish to enter a contract with me and agree to my charges. Any unpaid charges will be pursued through a Small Claims Court and may result in a visit from a Debt Collecting Agency.

 

 

 

Yours Faithfully

 

 

 

Any opinions?

 

I'm up for a fight with them as I know how incompetant they are, a bit of fun to pass the summer evenings :D

[welshwizard]

Fluffy kittens are very scary.....

[Phonesurgeon]

If those kittens gets their claws out... well they reduce you to ribbon.

 

Fluffy kittens have small needles claws and believe me they are intimidating...

 

Now you could have used... as intimidating as chocolate fire guards....

[vic synex]

Hi all,

 

Started to reclaim over £1000 of bank charges from First Direct via moneyclaim.

They have defended the claim and I've received an Allocation Questionnaire to send back to my local court by 5th August.

Could someone please advise me of what to put on it and what is likely to happen?

 

Thanks in advance

[AndyOrch]

Hi this sticky is helpfull from a Claimants stance on completing the AQ

 

Directions for N150 or N149 Allocation questionnaire

 

Regards

 

Andy

[vic synex]

Hi all,

 

I've used moneyclaim to reclaim £1100 bank charges from First Direct, they've defended the claim and I've been given an allocation questionnaire (Small claims track) which has to be in by 5 August.

 

Trouble is, I don't know what to put on it or what to expect

 

Any help gratefully appreciated.

[car2403]

Wow, you've gotten further than most of us, as most MCOL claims are stayed at Northampton.

 

Can you post the particulars of claim you used? (Remove personal/identifying details)

 

Which AQ is it? N149 or N150?

[vic synex]

Thanks for the reply, it's a N149 they've sent.

 

Basically, I just filled out the online Moneyclaim form and claimed it as unfair bank charges, nothing more than that really.

[car2403]

Ok, but still need to see the POC and Defence before can advise

[vic synex]

Here's the defence, will post up POC shortly.

 

 

 

Thanks in advance.

[car2403]

I suspect you will be stayed when the AQ's are reviewed. As to their completion;

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html