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First direct new banking fees


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My mother is a full time carer for her disabled partner and between them they get about £1000 per month in benefits.


First Direct, from February 1st 2007 will now be charging a fee of £10 per month for accounts that do not pay in at least £1500 per month.


Before they signed up for the new bank account, the fact that they are on benefits, and that this will not change in the future, was explained, accepted by First Direct, and the account opened.


When she called to explain how unfair this is she was basically told 'tough luck'.


They have no savings between them and survive only on the £1000 benefits they receive between them per month - and this is still a huge struggle for them.


Because of the fact that they are ONLY on benefits, and this will not change due to the disability, can anything be done to stop First Direct penalising them for this and charging them £120 a year?


Explaining this on the phone to them made no difference.


Any helpful advice greatly appreciated.



The following was done on behalf of my mother:

First letter send 20th April 2006. Reply recieved 22nd April 2006.

Second letter sent 24th April 2006. Reply recieved 26th April 2006.

Accepted at small claims court.

Defendant filed an acknowledgment of service on 25th July 2006.

Allocation Questionaire recieved 16th August 2006.

Court date set for 22nd February 2007.


4th April 2007 - Court orders Lloyds to pay costs. :D:D

23rd April - Bank pays costs :grin::grin::grin:


This claim took a total of 298 days to reach settlement. Further charges were taken, an email was sent to Lloyds, at the conclusion of this 1st claim and settled in full in only 16 days.

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Get them to move elsewhere, I know it's a bit of a pain but it's generally not too much effort. The more people that dump this lot the better.


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 you read the small print you do not have to pay the charge if you hold another account with them such as a mortgage, credit car of saving accounts. i think you can open a saving accoutn for a £1.00.


So they have two options open a credit card or saving account and never use it or move banks.


I would change banks just to prove a point

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