2 large claims with First Direct

[nibyrne]

I have 2 claims with First Direct. One for our joint account for £4614.00 and my sole account £2972.00. I am at different stages with them. The LBA went off yesterday for the joint account and I sent prelim letter for sole account last week. Has anyone else submitted 2 such large claims with one bank? I am getting really worried because of the amounts and feel really sick all the time. I know it was my own fault for not managing the accounts well and although we have not had charges for the past 12 months I am worried that I am going to be the one sitting in front of the judge!

I would really appreciate any advice? Many thanks

[orfoster]

No don't worry about that. Its is very unlikely you will face a judge, there have been claims where people have claimed more than that. Just remember that the banks don't want to have to explain how their charges work so will do everything possible to stay out of court. You will be fine and you look like your doing fine so far.

 

[Roger66]

I am chasing FD as you are, and my two accounts tot up to three and a half grand, so although you're claiming more, I expect to have to issue court papers ina couple of weeks, but as orfoster says, don't expect to see a judge.

 

They'll make everyone with these bigger claims hold on in the hope we buckle, so just bide your time. I'm going after Barclays next, and they apparently are far harder work:rolleyes:

[orfoster]

They are indeed, all pay up in the end and after they have paid up you sit there at home and think rite what can i do now....after all the work you have put in. They would love people to buckle and i think they do, less so people who are on this site but others do, i know i was tempted.

[nibyrne]

Just a quick question.........

 

I am just completed my MCOL to submit on Thursday. My fees will be £250.00. Can I pay this with a credit card?

Thanks

[ukaviator]

Yes you can. Some people have used the card they are chasing for fees refunds, which i think is great.

 

Good luck

 

Uk. .

[nibyrne]

Great, thanks for quick response!

[ukaviator]

As you go through the stages of MCOL it will ask you for payment near the end.

 

Your welcome

 

Uk..

[nibyrne]

I have received an offer from FD today following my LBA 12 days ago. They are offering £3397.00 against my claim of £4614.00. They have quoted 'this represents all the excess and overdraft fees applied to your account in full and final settlement of this matter, which I believe is a fair and reasonable offer. I am not willing to include any additional interest'. From the figures you can see that it does not cover all charges. I am due to submit my MCOL on Thursday but don't know whether to write back to FD with another copy of my schedule of charges or whether to process my MCOL as scheduled on Thursday???

[Roger66]

Why bother with another schedule? They already have it or they wouldn't have been able to make the offer that they have. They have offered barely 74% of your requested total, I only got offered 76%.

You could always tell them it was an affront to your dignity that they offered you less than someone else:D

Then again, just by the letters they already know who you're allied with, Thursday will probably be the day they get the copy schedule, and they'll get another from MCOL soon enough anyway.

[Gensha]

I am new to this and claiming from First Direct...Can you tell me how you got on? First Direct have acknowledged my MCOL and I am getting nervous!

 

Thanks

[SharryD]

I have 2 claims with First Direct. One for our joint account for £4614.00 and my sole account £2972.00. I am at different stages with them. The LBA went off yesterday for the joint account and I sent prelim letter for sole account last week. Has anyone else submitted 2 such large claims with one bank? I am getting really worried because of the amounts and feel really sick all the time. I know it was my own fault for not managing the accounts well and although we have not had charges for the past 12 months I am worried that I am going to be the one sitting in front of the judge!

I would really appreciate any advice? Many thanks

Hi! I am really new to this site and am really struggling to navigate it etc (and I thought I was pc literate!). Can anyone please tell me what address they sent the First Direct Claims to? Was it the Wakefield Rd address or the HSBC address at Canada Square. Am hoping to start ball rolling by getting copies of mystatements as only go back couple of years on site and will take ages to sift through them.

Cheers. Sharon

[SharryD]

Help! I am new to this site and am struggling to navigate around it (and I thought I was pc literate!). I am looking to seek refund from First Direct as they have really not helped my financial status, when I seem to be struggling they make it worse by slapping on the charges. On occasion I have disputed them and once or twice they waivered them but these days they only seem to meet half way and deduct half of the charges. Have absolutely no idea how much they have charged me in total as never keep statements, plus requested online only anyway. Does anyone know what my chances will be? Also, what is FD's registered address (bit confused with that one). Is it Wakefield Road or HSBS, Canada Square address.

Regards

S

[Roger66]

OK SharryD,

don't worry, just try starting at the top, you can go online and print off roughly two and a half years statements on the FD website. It's a bit of a fiddle, just try to do each date set in turn and you'll get them, and if you need more go to the documentation section of this site and look for the S.A.R. letter, and amend it with your account details.....

 

As for the address, Wakefield Road is cool, I used it and got sorted OK.

 

Do not feel too nervous, as following my success with them I am going after Barclays soon who are altogether far less friendly, and am advising colleagues at work as well. Read through the forum here, especially the experiences of other FD claimants. Sometimes they threaten dire consequences but see how the others have reacted, or been advised, and follow their lead. If you feel vulnerable, set up another account in advance in case things might go awry.

 

Take heart in the fact you might not even have to go to court as well. We turned down a couple of offers before accepting a final one for 90% of our claim, and then only because we couldn't afford the court fee at the time. (But we didn't tell them that!!)

 

I am at work tomorrow as well as today, but feel free to post questions, or start your own thread and ask away. It is free to ask after all, and help will be forthcoming however you ask for it.

 

Best of luck,

 

Roger66:)

[SharryD]

OK SharryD,

don't worry, just try starting at the top, you can go online and print off roughly two and a half years statements on the FD website. It's a bit of a fiddle, just try to do each date set in turn and you'll get them, and if you need more go to the documentation section of this site and look for the S.A.R. letter, and amend it with your account details.....

 

As for the address, Wakefield Road is cool, I used it and got sorted OK.

 

Do not feel too nervous, as following my success with them I am going after Barclays soon who are altogether far less friendly, and am advising colleagues at work as well. Read through the forum here, especially the experiences of other FD claimants. Sometimes they threaten dire consequences but see how the others have reacted, or been advised, and follow their lead. If you feel vulnerable, set up another account in advance in case things might go awry.

 

Take heart in the fact you might not even have to go to court as well. We turned down a couple of offers before accepting a final one for 90% of our claim, and then only because we couldn't afford the court fee at the time. (But we didn't tell them that!!)

 

I am at work tomorrow as well as today, but feel free to post questions, or start your own thread and ask away. It is free to ask after all, and help will be forthcoming however you ask for it.

 

Best of luck,

 

Roger66:)

Thanks Roger66. You have been most helpful. Sent my statement request letter to 1st Direct at Wakefield Rd, by Recorded 1st Class post today so that's a start to proceedings. I think my main problems are going to be navigating this site. It looks so daunting and I really have not a clue how to start up new threads and answer current ones etc., as you can probably gather.

Regards

SharryD:confused:

[Roger66]

Hello again SharryD,

 

Familiarity is your friend here, as far as navigating the site is concerned. Just poke around in different sections, one at a time and see what each contains, as you will discover the real gems accidentally on purpose then. If necessary, bookmark individual pages in your browsers favourites section, so you can return to them as you need them, and copy any letter templates across as you find them and rename them to suit you personally.

 

Looking through and reading the notes, FAQ sections and other peoples experiences will arm you for the weeks to come, and allow you to also ask questions that have a greater guarantee of an appropriate answer when you do need help. I am a member of several forums covering my varied interests so it doesn't seem too hard for me to scoot back and forth around here, but as you go just ask and we can help guide you along.

 

To start a new thread, simply go to the first page of posts/threads listed for the bank, and at the bottom of that list on the left there is a 'New Thread' button. Click that and name it 'SharryD vs First Direct' and just write up the first post as a general quick intro to who you are, and what you're claiming. You don't have to be exact in the details, just give an idea of what you've done to date and the rough amount you're claiming.

 

People will then read your post, and either just post to wish you luck, say how similar you are to them perhaps, or offer pinters or advice on furthering your claim. You're already posting well, starting a new thread should be super easy for you. I'm off work for a few days now, so I shall keep an eye out for you,

 

Best of luck,

 

Roger66.

[livelylad]

Thread moved to the FD forum.