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Rich101 v First Direct


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Launched my battle yesterday with a special delivery letter so it should have got there today. Claiming nearly 4k

 

Shocked at how much i'd been debited when i worked it all out, felt a little stupid that i had allowed it to happen, but it seems to be a self fufilling prophesy - as soon as they start charging you, you are in trouble as it generates more charges.

 

This group has already given me alot of hope and confidence that it'll work - no worries about taking it all the way if nessesary, so thanks for the confidence you've all given me by lurking and reading others posts

 

Going to do my first direct credit card now, and my alliance & leicester one and my business account with abbey, if a battles worth fighting.....

 

Opened a back up account with Smile just in case and had that accepted, was shocked to see so many problems for the smile/co-op bank customers as i thought they were an ethical banking group, oh well.

 

I'll post more as soon as I hear from FD

 

Happy Christmas and hopefully a good new year

 

Rich

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Go for it Rich, you will prevail.

 

Anything your unsure of, just ask, no matter how silly you think it is.

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  • 3 weeks later...

Well no reply within the deadline given so on to the next step this evening

 

I have had a threatening letter about being over my overdraft limit and I must take action with 7 days though so maybe thats my response

 

Shields up Mr Sulu and bring phasers online - we're going into battle

 

Rich

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That happened to me and they stopped my maestro card! They denied it was anything to do with my letters regarding my claim. Don't be intimidated by them. I was so worried at first, but like you I had a new account with Smile and soon got all my money back from FD.

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Got a letter today appologising for not replying within the required timescales in response to the 1st letter

 

They'd better get a move on as they've already got the LBA so they are in the next 14 day time period already :-)

 

And I received a reply from them on my SAR for my 1st direct credit card with the cheque returned so that seems to be going to form

 

Rich

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Still no reply to the 1st letter let alone the 2nd, and now only 5 post deliveries to go

 

But i am getting threats about my overdraft again (funny how these started after I initiated action isn't it)

 

I think I read somewhere that they are not allowed to take action against you once the account is 'in dispute', - was i imagining it or is that true as I need to write back to them explaining that the account is subject to ongoing action and this seems like retribution for that action.

 

Thanks for any advice

 

Rich

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I suppose my account was 'in dispute', however they stopped my card and I couldn't do a thing about it. If you've got your new account with Smile all will be fine though. Apparently they can't ask you to pay back your whole overdraft at once anyway.

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Yee Haa........

 

offer from First Direct of £2700, but I claimed 3800

 

So 400 or so of that was interest, but even ignoring that it leaves me 700 quid out of pocket

 

Excuse is usual one - management costs etc. and no admission of liability

 

No confidentiality clause either

 

So i'm gonna check my claim now and then write back accepting it as part payment I think

 

Oh and got my advanced statement where they stuff me for another £150 of charges so i'll need to claim that too as a separate action I guess

 

So any advice and experiences from this point onwards ?

 

Cheers

 

Rich

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OK so they are saying they will not pay 'recall fees'

 

This seems to be in relation to direct debits

 

Is this normal - should I have claimed them ?

 

Have others had these claims rejected

 

I also claimed £340 in interest, I didn't find the sheet on the website before my claim so I worked the interest out on a very generous (to FD) rate of 5% per annum not compounded , was I right to do this ?

 

Thanks for any help

 

Rich

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Hi Rich,

 

I'm chasing FD for £4800 including the 8% interest and intend to chase them for every penny. From what I've read you can chase them for ALL the charges, regardless of what they decide to call them. Surely it can't cost them £37.50 for a computer to tell them that there wasn't enough money on an account to pay an electronic payment, otherwise this e-mail would be costing me £80!

 

Go for the sods!!

 

Dubliner

[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

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  • 2 weeks later...

Well just checked my FD credit card bills for the last 6 years and they behaved themselves there so no action to take

 

Writing my acceptance as partial payment only today

 

Watched the money programme video from the BBC - interesting what the financial ombudsman said about telling the banks to pay in full

 

Here we go again..... only given them 7 days to reply this time

 

Rich

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Hi Rich,

 

I had partial offer today, stating they wouldn't pay the 'Recall charges' which would have been the full amount. I'm going to tell them to get stuffed and crack on. Did you leave your Recall charges in your claim too?

 

 

Dub

[sIGPIC][/sIGPIC]

 

First Direct - S.A.R - (Subject Access Request) sent 29/12/06

Statements recieved 15/1/07 - >£3000 owed

Prelim sent 16.01.07

Partial offer received 01.02.2007

LBA and letter rejecting paltry offer sent 02.02.2007

MCOL filed mid Feb 07

AQ 26th March

 

 

BoS - S.A.R - (Subject Access Request) sent 29/12/06

Statements received 1.02.2007 - Prelim sent 02.02.2007

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As i could really do with drawing a line under this i accepted the amount as full payment to 31/12/6. This left the amount in January I will pursue as a different claim - i just wanted to get rid of this as other things in my life are so busy

 

BUT

 

Still no money from them and now they have started bouncing direct debits on me (and of course charging me) even though I have reduced the balance of my overdraft and of course its on record that i am due this money so not happy.

 

So even if they pay the large amount out then i still have a claim against them to pursue for around another 500 quid and if they don't pay by the 12th then it will be another set of charges.

 

So a payout will not be the end of the story by a longshot.

 

and this one I will take all the way

 

Rich

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Keep at it, they will pay up in the end, including interest.

___

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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