Is this normal? FD

[harveym]

Contacted FD today and asked for the details of my charges. They gave me Roberts address and full name to write to. Now after the call i thought 'Opps, how much will it cost if anything to get the statements?' so i called back and spoke to another rep in C/S. I explained what i wanted and asked if there would be a charge. He advised me not to bother asking for the statements and told me just to write a formal letter advising that i wished to have all charges refunded.

He said to send it in and it would be dealt with without the statements ' We have all the information' he said. He also wished me good luck on getting the charges refunded.......i know, but he did sound genuine.

 

Well, i sent the first letter from the site and did include the details of my calls with both people. Will wait to see what sort or reply i receive.

 

Has anyone else had this sort of treatment? Are they now just bypassing the whole rigmarole of the statements and just offering settlements out right?

 

Any feedback would be greatly appreciated.

 

Thanks

[pward33]

My concern would be that if they have "all the information" regarding your charges but you don't, and you do as he suggested and leave it to them to refund the charges, how would you know whether they had in fact refunded everything you were entitled to?

 

The most they can charge you for all your statements if you send in a Subject Access Request under the DPA is £10 which seems to me a small price to pay to ensure you find out exactly what they owe you.

 

My attitude may be overly cynical, and the individual you spoke to may well have been genuine, but for what it's worth I'd suggest doing it by the book just in case.

[callumsgran]

Don't know im afraid Harvey, keep us posted though! You could always try the other way too?

Good luck!

[ashort]

Harvey,

 

I would suggest sending the standard letter from this site requesting details of all the charges levied against your account in the last xx years (upto 6) and include a £10 data protection fee (I actually got this back). I'm of the opinion of doing everything as suggested on this site. Better to have all the info in writing.

[DazNorthants]

I afirm that. Follow the procedures they have worked for lots of people. Unless you are a lawer and think you have a better route. If you don't you might get tripped up big time.

[richardje]

Harvey, for goodness sake get the 6 years worth of statements.

 

Otherwise you will be fobbed off with a fraction of the charges and absolutely none of the interest. Read all the threads about how FD responds and offers a fraction of what people are claiming - you will end up with a fraction of the fraction!!!

 

They send you your tenner back so just get on and write the SAR Letter and get the last 6 years statements.

[billythekid]

I just asked a similar question and the adviser said they were really busy with these requests, they asked me to send a letter like yourself.

 

I've already done some of the calculations though so i'll do it the web site way.

[harveym]

Thanks for all of your feedback.

 

I have looked through at home and I have found all of my bank statements since I joined them 31 Months ago.

I have copied all of the sheets with charges and have calculated my running total which is just shy of £800.

 

I shall now wait and see what they come back with.....will keep you updated.

 

Oh, Also.... I have just dug out my statements from Lloyds....can i send these back and for the charges back? Have from 2000 - 2004. Only about £300 in charges but is it worth sending the letter to them?

 

Thanks guys!

[starflame]

Yep, you can claim charges back for accounts which you have since closed. All that matters is the 6 year limit. I would definitely go for it.

[harveym]

Cheers Star....Will get the letter done now and will get it off to them by the end of the day

[harveym]

Just to update you.....

 

Received a letter from FD yesterday offering £400. This is without me providing statements, asking for lists of charges, they have offered straight off. What should mi do next? Not take it and send 2nd letter and ask for full amount? Advice would be great, cheers.

 

Still waiting for Lloyds to come back to me.