Some help please!

[nibyrne]

2/11 Wrote to First Direct requested bank statements

13/11 Full six years statements arrived. No charge

16/11 Calculated charges of £3341.50 and sent prelim letter

17/11 Wrote to request bank statements for another FD account

22/11 Realised today having read through some forums that I have only claimed for 'Excess overdraft fees' and not 'Overdraft fees'

Have recalculated my fees on just one account and they total £4176.74!

 

Should I send an amended letter for new figure? What about the charges on my other account because they will def take me over the £5000.00?

I am really confused what to do next. Please can I have some help??

[cheddar]

Okay calm down and take your time to read around the forum, send an amended letter with the new amount and also you need to be sending a schedule of charges as stated in the step by step guide so send an updated one. As for the other account and i taking you over £5k you can go to Fast Track for a bigger claim or you can make 2 claims keeping it under £5k.

 

Have a read around the forums to see what other people have done and read all the reference meterial in the help forums.

[kateandpete]

Don't be scared of fast track. It worked in my favour on a claim of only £2131 charges. The bank will have to disclose it's costs (if you ask - don't forget this at the court stage) - they will NEVER do this and will pay up.

 

Costs are capped at around £700. But it doesn't matter as your case is just, the procedure is tried and tested, the arguments are rock solid.

My advice would be put one big claim in

[cheddar]

Exactly some people have had claims under £5k go to Fast Track I didn't mean to make it sound scary or anything. It is entirely your choice.

[nibyrne]

Ok thanks. Have calmed down a bit now. It was when I saw exactly how much I have been charged. No wonder I have been so stressed over the past six years!

 

Should I just add a sentence to the letter advising them that it replaces my previous letter and then start the 14 days from this new one?

 

Thanks!

[cheddar]

Don't worry it can be very annoyed to see how much they have taken from you! Yes add a line so they know its updated and so you know you have made it clear to them.

[freebird]

here's a link to the first direct forum, start up a thread for yourself and that way we can follow your claim and support you when and if

good luck

freebird

http://www.consumeractiongroup.co.uk/forum/first-direct/