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kezzer vs first direct ***WON***


kezzer
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applied for small cliam via moneyclaim 3 weeks ago...got the full amount £1290, first direct decided not to defend. Paid direct into my bank account, which I wasn't TOO happy about, but FD haven't tried to close my bank account, so can't complain. To be fair, I've been quite happy with their customer service, just not at ALL happy about the charges. I've never been more than £20 at the very most (except for when it was because of charges!) over my limit but still managed to incur charges of nearly £1300. When I've checked my statements, at one point I was 87p over my limit for ONE DAY and got charged £30 for the honour. However, since I've received the charges back, i've also received another charge of £119. Should I start a new claim, and will they try to close my account if I do?

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Guest ian cognito

You could try speaking to them about these additional charges, indications are banks do close accounts once a second claim has gone against them. I too am more than happy with their customer service but less so since they announced their intention to charge account fees.

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Hi Kezzer.

 

Although my account is with Lloyds TSB, I was informed of £65 of charges being debited beginning of December (after I'd successfully won my claim).

 

I sent a letter entitled "Review of Intended Charges" which basically consisted of a merged prelimary letter with a "I need not remind you you have just settled my previous claim, and your earliest attention to this matter will save my costs and statutory interest at a later date" approach.

 

Worked for me, and it proves your serious.

 

Give it a go.... Good Luck

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