Lenny1303 vs First Direct

[lenny1303]

Now it's my turn!

 

After receiving a pile of statements from FD, my first letter requesting a refund is in the post today.

 

I started with FD 11 years ago and was always impressed with the service - despite some charges.

 

I'm self-employed and last year had a few problems keeping within limits etc - even though I was always calling to explain when money would be coming in.

 

It ended with them freezing the account in November

 

I quickly opened an account with HSBC then heard through moneysavingexpert.com about claiming charges back and this site. All really good stuff and time for me to hit back!

 

So, I have a 14 day wait until my next move....

[rich101]

Go for it.... I got my offer of a refund today

 

Isn't it funny though you managed to open an account with FD'd parent company after they shut you down - ironic really

 

Rich

[lenny1303]

Congratulations!

 

Yeah, my business account is with HSBC, so easy to transfer funds – I was relieved I could open a current account with them as well.

[lenny1303]

Just received an offer of about £1500 and I was claiming £1900.

 

Not a bad offer from my first letter asking for refund as it's about 80%.

 

Should I now send an LBA threatening legal action and added interest? This seems to be what many people do to get a full (or almost full) offer.

 

[lenny1303]

*** S U C C E S S ***

 

 

15 Feb – sent off my letter stating offer not acceptable, only as part payment, and threatening court action and added interest.

 

23 Feb – received offer for full amount of almost £1900

 

I'm amazed I didn't have to go as far as legal action as many others seem to have!

 

Thanks to CAG and all those who are providing inspiration for others to claim back charges. Don't give up! 8-)

[Bopomofo]

Woah! What a fantastic result... certainly looks good for us other First Direct 'customers'. I sent my refund request for about £1400 just last week. Fingers crossed that I get a result like this.

 

This is going to keep me smiling all day!

 

Cheers! And have a beer on FD!

[lenny1303]

Thanks and good luck with your claim!

 

It took about a month from first letter to offer – and I didn't have to get legal with FD.

[harvest]

Well done Lenny - spend it wisely!!

[lenny1303]

Thanks. Most of the money will settle the overdraft on the account that FD closed.