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Vickicb

Right, I'm gonna go for it!

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We've had 2 accounts with FD for years, a joint one which has OH wages and most DD's, and mine which pays childcare, shopping etc and has my wages. I just know they owe us thousands, and am drafting my Data protection act letter. Should I send one letter with one £10 or do I need to send 2?

 

Will post my progress - I've been much reassured by stories I've read here tonight.

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As long as your name is on both accounts, one letter/£10 will suffice. They'll send the cheque back to you anyway.

 

Good Luck

  • Haha 1

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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If I think I have all the statements - pretty sure I do - is it worth sending the SAR? I can get the odd missing one from their website. Or is there another reason to send the SAR?

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There is indeed another reason to send the SAR - you will notice that the letter requests details of manual intervention. There is a good reason for this.

 

The bank may attempt to justify the charges based on a claim that your account has required lots of manual intervention by their staff, in which case it should be noted in the data they send you - if they do not send any then they are unable to prove any extra work has been done and will be unable to claim the charges are as a result of this.

  • Haha 1

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Thanks for the quick reply - will get it in the post today!

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I am in the same position as you, 2 accounts with them, 1 joint, 1 sole. I have sent a claim in for the joint account last week which is over £3k and am waiting on statements for my sole account.

 

They are quick sending statements back so you should be able to get started soon.

 

Good luck!

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Vickicb

I made a claim for both sole and joint accounts and reclaimed all charges. I would advise keeping claims separate and sending individual letters-it may be a bit of a pain but it presents a professional and determined front to the bank.

NB I claimed £1485 for joint charges and £444 for sole charges and got the lot back!

Keep determined, follow the process and the best of luck!


Wakie8AL

First Direct Sole Account £444-Full settlement :D

First Direct Joint Account £1485-Full settlement :D

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I sent my prelim letter for £3341.50 to FD on 16 November but have had no acknowledgement? Is this normal? My LBA is typed up and ready to send on Friday but getting worried that I haven't even received a 'get lost' response.

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Don't worry. Wait until the 14 days is up then send the LBA. They replied to one of my letters after 3 days, another one took them 17 days... so it's not unusual.


___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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